Side-by-side · Q2 2026 data
Citizens Bank vs Gateway Credit Union
Metric by metric
| Measure | Citizens Bank | Gateway Credit Union |
|---|---|---|
| TellerScore | 78 | 83 (stronger) |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 99 (stronger) | 88 |
| Earnings | 27 | 45 (stronger) |
| Funding & liquidity | 77 | 82 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 72nd | 72nd |
| Total assets | $823.4M | $31.4M |
| Deposits / shares | $702.5M | $24.3M |
| Capital ratio | 13.88% | 21.85% (stronger) |
| Problem loans | 0.04% (stronger) | 0.36% |
| Net charge-offs | 0.00% | -0.03% (stronger) |
| Return on assets | 0.18% | 0.64% (stronger) |
| Loans ÷ deposits | 54.5% (stronger) | 78.7% |
| Uninsured deposits | 36.3% | 3.1% (stronger) |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gateway Credit Union has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 2 and Gateway Credit Union on 5. 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.