Side-by-side · Q2 2026 data
Citizens Bank vs Zellco Federal Credit Union
Credit union
Zellco Federal Credit Union
Bogalusa, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank | Zellco Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 89 |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 89 (stronger) | 76 |
| Earnings | 100 | 100 |
| Funding & liquidity | 86 (stronger) | 69 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 95th | 87th |
| Total assets | $466.3M | $94.5M |
| Deposits / shares | $401.3M | $64.9M |
| Capital ratio | 13.48% | 31.85% (stronger) |
| Problem loans | 0.33% (stronger) | 0.73% |
| Net charge-offs | 0.26% | 0.21% (stronger) |
| Return on assets | 2.40% (stronger) | 2.15% |
| Loans ÷ deposits | 73.2% (stronger) | 91.4% |
| Uninsured deposits | 16.0% | 3.7% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
Citizens Bank has the higher TellerScore (90 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 4 and Zellco Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.