Side-by-side · Q2 2026 data
Citizens Bank vs East Texas Professional Credit Union
Credit union
East Texas Professional Credit Union
Longview, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Citizens Bank | East Texas Professional Credit Union |
|---|---|---|
| TellerScore | 60 | 90 (stronger) |
| Capital cushion | 19 | 100 (stronger) |
| Loan quality | 99 (stronger) | 86 |
| Earnings | 52 | 91 (stronger) |
| Funding & liquidity | 60 | 75 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 19th | 98th |
| Total assets | $488.8M | $1.4B |
| Deposits / shares | $441.6M | $1.2B |
| Capital ratio | 6.90% | 19.38% (stronger) |
| Problem loans | 0.02% (stronger) | 0.41% |
| Net charge-offs | -0.02% (stronger) | 0.38% |
| Return on assets | 0.79% | 1.78% (stronger) |
| Loans ÷ deposits | 72.2% (stronger) | 84.9% |
| Uninsured deposits | 40.1% | 2.1% (stronger) |
| Offices | 10 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.5% |
East Texas Professional Credit Union has the higher TellerScore (90 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 3 and East Texas Professional Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.