Side-by-side · Q2 2026 data
Citizens Bank vs Oregon State Credit Union
Metric by metric
| Measure | Citizens Bank | Oregon State Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 76 |
| Capital cushion | 89 (stronger) | 68 |
| Loan quality | 99 (stronger) | 81 |
| Earnings | 27 | 73 (stronger) |
| Funding & liquidity | 77 (stronger) | 76 |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 72nd | 79th |
| Total assets | $823.4M | $2.8B |
| Deposits / shares | $702.5M | $2.4B |
| Capital ratio | 13.88% (stronger) | 11.75% |
| Problem loans | 0.04% (stronger) | 0.58% |
| Net charge-offs | 0.00% (stronger) | 0.74% |
| Return on assets | 0.18% | 1.32% (stronger) |
| Loans ÷ deposits | 54.5% (stronger) | 84.5% |
| Uninsured deposits | 36.3% | 5.9% (stronger) |
| Offices | 14 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.3% |
Citizens Bank has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 5 and Oregon State Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Corvallis, OR
- Albany, OR
- Mcminnville, OR
- Philomath, OR
- Salem, OR
- Lebanon, OR
- Dallas, OR