Side-by-side · Q2 2026 data
Citizens' Bank, Inc. vs Mobile Government Emp. Credit Union
Credit union
Mobile Government Emp. Credit Union
Mobile, Alabama · Under $100 million in assets
Metric by metric
| Measure | Citizens' Bank, Inc. | Mobile Government Emp. Credit Union |
|---|---|---|
| TellerScore | 77 | 90 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 66 (stronger) | 49 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 68th | 89th |
| Total assets | $158.9M | $15.0M |
| Deposits / shares | $143.1M | $11.6M |
| Capital ratio | 11.00% | 22.04% (stronger) |
| Problem loans | 0.14% | 0.00% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.16% (stronger) | 0.72% |
| Loans ÷ deposits | 59.1% | 30.6% (stronger) |
| Uninsured deposits | 30.4% | 0.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mobile Government Emp. Credit Union has the higher TellerScore (90 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Citizens' Bank, Inc. leads on 1 and Mobile Government Emp. Credit Union on 6. 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.