Side-by-side · Q2 2026 data
Citizens' Bank, Inc. vs Harvesters Federal Credit Union
Metric by metric
| Measure | Citizens' Bank, Inc. | Harvesters Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 60 |
| Capital cushion | 60 (stronger) | 44 |
| Loan quality | 95 (stronger) | 72 |
| Earnings | 66 (stronger) | 56 |
| Funding & liquidity | 83 (stronger) | 74 |
| Problem-loan coverage | 99 (stronger) | 60 |
| Peer percentile | 68th | 21st |
| Total assets | $158.9M | $316.8M |
| Deposits / shares | $143.1M | $284.1M |
| Capital ratio | 11.00% (stronger) | 9.42% |
| Problem loans | 0.14% (stronger) | 0.83% |
| Net charge-offs | 0.04% (stronger) | 0.44% |
| Return on assets | 1.16% (stronger) | 0.89% |
| Loans ÷ deposits | 59.1% (stronger) | 86.7% |
| Uninsured deposits | 30.4% | 11.5% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.8% |
Citizens' Bank, Inc. has the higher TellerScore (77 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Citizens' Bank, Inc. leads on 6 and Harvesters Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.