Side-by-side · Q2 2026 data
Citizens Bank vs S H P E Federal Credit Union
Metric by metric
| Measure | Citizens Bank | S H P E Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 33 |
| Capital cushion | 85 (stronger) | 25 |
| Loan quality | 89 (stronger) | 0 |
| Earnings | 100 (stronger) | 58 |
| Funding & liquidity | 86 | 92 (stronger) |
| Problem-loan coverage | 96 (stronger) | 0 |
| Peer percentile | 95th | 2nd |
| Total assets | $466.3M | $4.1M |
| Deposits / shares | $401.3M | $3.8M |
| Capital ratio | 13.48% (stronger) | 7.49% |
| Problem loans | 0.33% (stronger) | 11.30% |
| Net charge-offs | 0.26% (stronger) | 1.68% |
| Return on assets | 2.40% (stronger) | 0.96% |
| Loans ÷ deposits | 73.2% | 68.0% (stronger) |
| Uninsured deposits | 16.0% | 0.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
Citizens Bank has the higher TellerScore (90 vs 33). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 5 and S H P E Federal Credit Union on 2. 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.