Side-by-side · Q2 2026 data
Citizens Bank vs Eastman Credit Union
Metric by metric
| Measure | Citizens Bank | Eastman Credit Union |
|---|---|---|
| TellerScore | 60 | 91 (stronger) |
| Capital cushion | 19 | 99 (stronger) |
| Loan quality | 99 (stronger) | 90 |
| Earnings | 52 | 98 (stronger) |
| Funding & liquidity | 60 | 67 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 19th | 96th |
| Total assets | $488.8M | $10.2B |
| Deposits / shares | $441.6M | $8.6B |
| Capital ratio | 6.90% | 14.87% (stronger) |
| Problem loans | 0.02% (stronger) | 0.31% |
| Net charge-offs | -0.02% (stronger) | 0.38% |
| Return on assets | 0.79% | 1.95% (stronger) |
| Loans ÷ deposits | 72.2% (stronger) | 93.2% |
| Uninsured deposits | 40.1% | 12.7% (stronger) |
| Offices | 10 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.9% |
Eastman Credit Union has the higher TellerScore (91 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 3 and Eastman Credit Union on 4. 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.