Side-by-side · Q2 2026 data
Citizens' Bank of Charleston vs Highway Crossroads Credit Union
Credit union
Highway Crossroads Credit Union
Sikeston, Missouri · Under $100 million in assets
Metric by metric
| Measure | Citizens' Bank of Charleston | Highway Crossroads Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 47 |
| Capital cushion | 100 (stronger) | 96 |
| Loan quality | 72 (stronger) | 0 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 59 | 83 (stronger) |
| Problem-loan coverage | 94 (stronger) | 58 |
| Peer percentile | 90th | 7th |
| Total assets | $185.1M | $24.4M |
| Deposits / shares | $146.6M | $20.4M |
| Capital ratio | 20.51% (stronger) | 14.60% |
| Problem loans | 0.83% (stronger) | 4.65% |
| Net charge-offs | 0.09% (stronger) | 4.38% |
| Return on assets | 2.47% (stronger) | -1.84% |
| Loans ÷ deposits | 101.5% | 77.7% (stronger) |
| Uninsured deposits | 9.8% | 1.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens' Bank of Charleston has the higher TellerScore (86 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Citizens' Bank of Charleston leads on 5 and Highway Crossroads Credit Union on 2. 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.