Side-by-side · Q2 2026 data
Citizens Bank vs Eastman Credit Union
Metric by metric
| Measure | Citizens Bank | Eastman Credit Union |
|---|---|---|
| TellerScore | 75 | 91 (stronger) |
| Capital cushion | 76 | 99 (stronger) |
| Loan quality | 62 | 90 (stronger) |
| Earnings | 98 | 98 |
| Funding & liquidity | 54 | 67 (stronger) |
| Problem-loan coverage | 86 | 96 (stronger) |
| Peer percentile | 77th | 96th |
| Total assets | $1.4B | $10.2B |
| Deposits / shares | $1.2B | $8.6B |
| Capital ratio | 12.65% | 14.87% (stronger) |
| Problem loans | 1.14% | 0.31% (stronger) |
| Net charge-offs | 0.47% | 0.38% (stronger) |
| Return on assets | 1.94% | 1.95% (stronger) |
| Loans ÷ deposits | 94.9% | 93.2% (stronger) |
| Uninsured deposits | 24.8% | 12.7% (stronger) |
| Offices | 13 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.7% | 26.9% |
Eastman Credit Union has the higher TellerScore (91 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 0 and Eastman Credit Union on 7. 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.