Side-by-side · Q2 2026 data
Citizens' Bank, Inc. vs Navigator Federal Credit Union
Credit union
Navigator Federal Credit Union
Pascagoula, Mississippi · $100 million – $1 billion
Metric by metric
| Measure | Citizens' Bank, Inc. | Navigator Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 90 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 95 (stronger) | 87 |
| Earnings | 66 | 86 (stronger) |
| Funding & liquidity | 83 (stronger) | 75 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 68th | 95th |
| Total assets | $158.9M | $406.7M |
| Deposits / shares | $143.1M | $327.7M |
| Capital ratio | 11.00% | 17.98% (stronger) |
| Problem loans | 0.14% (stronger) | 0.38% |
| Net charge-offs | 0.04% (stronger) | 1.27% |
| Return on assets | 1.16% | 1.65% (stronger) |
| Loans ÷ deposits | 59.1% (stronger) | 85.0% |
| Uninsured deposits | 30.4% | 2.2% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Navigator Federal 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 3 and Navigator Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.