Side-by-side · Q2 2026 data
Citizens Bank vs Central Willamette Credit Union
Metric by metric
| Measure | Citizens Bank | Central Willamette Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 77 |
| Capital cushion | 89 | 94 (stronger) |
| Loan quality | 99 (stronger) | 66 |
| Earnings | 27 | 61 (stronger) |
| Funding & liquidity | 77 | 77 |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 72nd | 71st |
| Total assets | $823.4M | $617.6M |
| Deposits / shares | $702.5M | $525.4M |
| Capital ratio | 13.88% | 14.39% (stronger) |
| Problem loans | 0.04% (stronger) | 1.02% |
| Net charge-offs | 0.00% (stronger) | 0.86% |
| Return on assets | 0.18% | 1.03% (stronger) |
| Loans ÷ deposits | 54.5% (stronger) | 83.4% |
| Uninsured deposits | 36.3% | 5.9% (stronger) |
| Offices | 14 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.3% |
Citizens Bank has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 4 and Central Willamette Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.