Side-by-side · Q2 2026 data
Citizens Bank vs Ascend Federal Credit Union
Metric by metric
| Measure | Citizens Bank | Ascend Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 83 |
| Capital cushion | 100 (stronger) | 96 |
| Loan quality | 79 | 84 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 82 (stronger) | 70 |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 97th | 92nd |
| Total assets | $832.5M | $4.8B |
| Deposits / shares | $716.0M | $3.9B |
| Capital ratio | 16.29% (stronger) | 14.55% |
| Problem loans | 0.62% | 0.49% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.44% |
| Return on assets | 2.05% (stronger) | 1.20% |
| Loans ÷ deposits | 64.4% (stronger) | 90.5% |
| Uninsured deposits | 27.2% | 10.1% (stronger) |
| Offices | 7 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.1% |
Citizens Bank has the higher TellerScore (92 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 5 and Ascend 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.