Side-by-side · Q2 2026 data
Citizens Bank vs Stoppenbach Credit Union
Credit union
Stoppenbach Credit Union
Jefferson, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank | Stoppenbach Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 45 |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 90 (stronger) | 0 |
| Earnings | 76 (stronger) | 0 |
| Funding & liquidity | 63 (stronger) | 61 |
| Problem-loan coverage | 97 (stronger) | 55 |
| Peer percentile | 94th | 5th |
| Total assets | $1.2B | $1.8M |
| Deposits / shares | $996.0M | $1.4M |
| Capital ratio | 13.64% | 21.16% (stronger) |
| Problem loans | 0.30% (stronger) | 6.11% |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 1.39% (stronger) | -9.14% |
| Loans ÷ deposits | 75.3% (stronger) | 99.4% |
| Uninsured deposits | 34.2% | 0.0% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.9% | — |
Citizens Bank has the higher TellerScore (83 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 4 and Stoppenbach Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.