Side-by-side · Q2 2026 data
Citizens' Bank, Inc. vs University of South Alabama Federal Credit Union
Credit union
University of South Alabama Federal Credit Union
Mobile, Alabama · Under $100 million in assets
Metric by metric
| Measure | Citizens' Bank, Inc. | University of South Alabama Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 96 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 95 (stronger) | 84 |
| Earnings | 66 | 100 (stronger) |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 68th | 97th |
| Total assets | $158.9M | $56.2M |
| Deposits / shares | $143.1M | $46.6M |
| Capital ratio | 11.00% | 16.45% (stronger) |
| Problem loans | 0.14% (stronger) | 0.49% |
| Net charge-offs | 0.04% (stronger) | 0.16% |
| Return on assets | 1.16% | 2.45% (stronger) |
| Loans ÷ deposits | 59.1% | 51.2% (stronger) |
| Uninsured deposits | 30.4% | 10.5% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
University of South Alabama Federal Credit Union has the higher TellerScore (96 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Citizens' Bank, Inc. leads on 2 and University of South Alabama Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.