Side-by-side · Q2 2026 data
Citizens Bank vs Emerald Empire Federal Credit Union
Credit union
Emerald Empire Federal Credit Union
Springfield, Oregon · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank | Emerald Empire Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 73 |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 99 (stronger) | 79 |
| Earnings | 27 (stronger) | 17 |
| Funding & liquidity | 77 (stronger) | 68 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 72nd | 47th |
| Total assets | $823.4M | $28.8M |
| Deposits / shares | $702.5M | $22.8M |
| Capital ratio | 13.88% | 20.16% (stronger) |
| Problem loans | 0.04% (stronger) | 0.64% |
| Net charge-offs | 0.00% (stronger) | 0.67% |
| Return on assets | 0.18% (stronger) | -0.08% |
| Loans ÷ deposits | 54.5% (stronger) | 92.0% |
| Uninsured deposits | 36.3% | 0.3% (stronger) |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 5 and Emerald Empire Federal Credit Union on 2. 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.