Side-by-side · Q2 2026 data
Citizens Bank, National Association vs Stoughton Town Employees Federal Credit Union
Credit union
Stoughton Town Employees Federal Credit Union
Stoughton, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank, National Association | Stoughton Town Employees Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 89 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 55 | 100 (stronger) |
| Earnings | 60 (stronger) | 46 |
| Funding & liquidity | 46 | 96 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 3rd | 87th |
| Total assets | $232.5B | $2.4M |
| Deposits / shares | $188.7B | $2.0M |
| Capital ratio | 9.39% | 16.57% (stronger) |
| Problem loans | 1.36% | 0.00% (stronger) |
| Net charge-offs | 0.37% (stronger) | 0.49% |
| Return on assets | 0.99% (stronger) | 0.64% |
| Loans ÷ deposits | 78.0% | 64.4% (stronger) |
| Uninsured deposits | 47.5% | 0.0% (stronger) |
| Offices | 968 | 1 |
| CFPB complaints (3 yrs) | 6,056 | — |
| Complaints per $1B deposits | 32.1 | — |
| Mortgage denial rate (HMDA) | 32.5% | — |
Stoughton Town Employees Federal Credit Union has the higher TellerScore (89 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank, National Association leads on 2 and Stoughton Town Employees 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.