Side-by-side · Q2 2026 data
Citizens Bank vs Acfcu Federal Credit Union
Metric by metric
| Measure | Citizens Bank | Acfcu Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 57 |
| Capital cushion | 51 (stronger) | 36 |
| Loan quality | 100 (stronger) | 65 |
| Earnings | 100 (stronger) | 43 |
| Funding & liquidity | 80 | 92 (stronger) |
| Problem-loan coverage | 100 (stronger) | 80 |
| Peer percentile | 82nd | 14th |
| Total assets | $309.8M | $319.0M |
| Deposits / shares | $273.4M | $296.7M |
| Capital ratio | 10.07% (stronger) | 8.59% |
| Problem loans | 0.01% (stronger) | 1.06% |
| Net charge-offs | 0.00% (stronger) | 0.33% |
| Return on assets | 2.27% (stronger) | 0.56% |
| Loans ÷ deposits | 63.5% (stronger) | 68.0% |
| Uninsured deposits | 30.2% | 7.9% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.5% |
Citizens Bank has the higher TellerScore (82 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 6 and Acfcu Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.