Side-by-side · Q2 2026 data
Citizens Bank of Las Cruces vs Nusenda Federal Credit Union
Metric by metric
| Measure | Citizens Bank of Las Cruces | Nusenda Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 62 |
| Capital cushion | 54 (stronger) | 42 |
| Loan quality | 86 (stronger) | 74 |
| Earnings | 100 (stronger) | 51 |
| Funding & liquidity | 56 | 82 (stronger) |
| Problem-loan coverage | 94 (stronger) | 87 |
| Peer percentile | 80th | 30th |
| Total assets | $1.2B | $5.0B |
| Deposits / shares | $1.0B | $4.4B |
| Capital ratio | 10.42% (stronger) | 9.20% |
| Problem loans | 0.43% (stronger) | 0.79% |
| Net charge-offs | 0.00% (stronger) | 0.60% |
| Return on assets | 2.25% (stronger) | 0.76% |
| Loans ÷ deposits | 81.5% | 78.3% (stronger) |
| Uninsured deposits | 35.5% | 11.5% (stronger) |
| Offices | 9 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.5% | — |
Citizens Bank of Las Cruces has the higher TellerScore (76 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Las Cruces leads on 5 and Nusenda Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.