Side-by-side · Q2 2026 data
Citizens Bank vs Quay Schools Federal Credit Union
Credit union
Quay Schools Federal Credit Union
Tucumcari, New Mexico · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank | Quay Schools Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 83 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 100 (stronger) | 37 |
| Funding & liquidity | 80 (stronger) | 73 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 82nd | 72nd |
| Total assets | $309.8M | $8.6M |
| Deposits / shares | $273.4M | $6.9M |
| Capital ratio | 10.07% | 19.40% (stronger) |
| Problem loans | 0.01% (stronger) | 0.03% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 2.27% (stronger) | 0.42% |
| Loans ÷ deposits | 63.5% (stronger) | 87.2% |
| Uninsured deposits | 30.2% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Quay Schools Federal Credit Union has the higher TellerScore (83 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 4 and Quay Schools Federal Credit Union on 3. 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.