Side-by-side · Q2 2026 data
Citizens Bank of Las Cruces vs First Financial Credit Union
Credit union
First Financial Credit Union
Albuquerque, New Mexico · $1 billion – $10 billion
Metric by metric
| Measure | Citizens Bank of Las Cruces | First Financial Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 50 |
| Capital cushion | 54 (stronger) | 31 |
| Loan quality | 86 (stronger) | 53 |
| Earnings | 100 (stronger) | 32 |
| Funding & liquidity | 56 | 86 (stronger) |
| Problem-loan coverage | 94 (stronger) | 77 |
| Peer percentile | 80th | 6th |
| Total assets | $1.2B | $1.1B |
| Deposits / shares | $1.0B | $1.0B |
| Capital ratio | 10.42% (stronger) | 8.12% |
| Problem loans | 0.43% (stronger) | 1.40% |
| Net charge-offs | 0.00% (stronger) | 0.74% |
| Return on assets | 2.25% (stronger) | 0.29% |
| Loans ÷ deposits | 81.5% | 73.8% (stronger) |
| Uninsured deposits | 35.5% | 6.0% (stronger) |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.5% | 19.0% |
Citizens Bank of Las Cruces has the higher TellerScore (76 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Las Cruces leads on 5 and First Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.