Side-by-side · Q2 2026 data
Citizens Bank vs Onpoint Community Credit Union
Metric by metric
| Measure | Citizens Bank | Onpoint Community Credit Union |
|---|---|---|
| TellerScore | 78 | 83 (stronger) |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 99 (stronger) | 67 |
| Earnings | 27 | 76 (stronger) |
| Funding & liquidity | 77 | 80 (stronger) |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 72nd | 92nd |
| Total assets | $823.4M | $9.5B |
| Deposits / shares | $702.5M | $7.9B |
| Capital ratio | 13.88% | 15.00% (stronger) |
| Problem loans | 0.04% (stronger) | 0.98% |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | 0.18% | 1.41% (stronger) |
| Loans ÷ deposits | 54.5% (stronger) | 80.0% |
| Uninsured deposits | 36.3% | 3.6% (stronger) |
| Offices | 14 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.5% |
Onpoint Community 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 3 and Onpoint Community 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.