Side-by-side · Q2 2026 data
Citizens Bank vs Middle Tennessee Federal Credit Union
Credit union
Middle Tennessee Federal Credit Union
Cookeville, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank | Middle Tennessee Federal Credit Union |
|---|---|---|
| TellerScore | 92 | 96 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 79 | 87 (stronger) |
| Earnings | 100 (stronger) | 98 |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 97th | 97th |
| Total assets | $832.5M | $71.3M |
| Deposits / shares | $716.0M | $59.3M |
| Capital ratio | 16.29% | 16.80% (stronger) |
| Problem loans | 0.62% | 0.40% (stronger) |
| Net charge-offs | 0.01% (stronger) | 1.15% |
| Return on assets | 2.05% (stronger) | 1.95% |
| Loans ÷ deposits | 64.4% | 60.1% (stronger) |
| Uninsured deposits | 27.2% | 5.2% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Middle Tennessee Federal Credit Union has the higher TellerScore (96 vs 92). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 2 and Middle Tennessee Federal Credit Union on 5. 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.