Side-by-side · Q2 2026 data
Citizens Bank of Las Cruces vs Sunward Federal Credit Union
Metric by metric
| Measure | Citizens Bank of Las Cruces | Sunward Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 60 |
| Capital cushion | 54 (stronger) | 39 |
| Loan quality | 86 | 87 (stronger) |
| Earnings | 100 (stronger) | 35 |
| Funding & liquidity | 56 | 67 (stronger) |
| Problem-loan coverage | 94 (stronger) | 93 |
| Peer percentile | 80th | 25th |
| Total assets | $1.2B | $4.6B |
| Deposits / shares | $1.0B | $3.5B |
| Capital ratio | 10.42% (stronger) | 8.91% |
| Problem loans | 0.43% | 0.40% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.36% |
| Return on assets | 2.25% (stronger) | 0.37% |
| Loans ÷ deposits | 81.5% (stronger) | 93.3% |
| Uninsured deposits | 35.5% | 12.4% (stronger) |
| Offices | 9 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.5% | 10.1% |
Citizens Bank of Las Cruces has the higher TellerScore (76 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Las Cruces leads on 5 and Sunward Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.