Side-by-side · Q2 2026 data
Citizens Business Bank, National Association vs County Schools Federal Credit Union
Bank
Citizens Business Bank, National Association
Ontario, California · $10 billion – $100 billion
Credit union
County Schools Federal Credit Union
Ventura, California · Under $100 million in assets
Metric by metric
| Measure | Citizens Business Bank, National Association | County Schools Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 34 |
| Capital cushion | 64 (stronger) | 35 |
| Loan quality | 95 (stronger) | 0 |
| Earnings | 67 (stronger) | 25 |
| Funding & liquidity | 44 | 90 (stronger) |
| Problem-loan coverage | 99 (stronger) | 47 |
| Peer percentile | 83rd | 2nd |
| Total assets | $21.2B | $91.0M |
| Deposits / shares | $16.4B | $83.0M |
| Capital ratio | 11.41% (stronger) | 8.51% |
| Problem loans | 0.14% (stronger) | 3.52% |
| Net charge-offs | 0.00% (stronger) | 0.60% |
| Return on assets | 1.18% (stronger) | 0.13% |
| Loans ÷ deposits | 72.4% | 69.8% (stronger) |
| Uninsured deposits | 54.2% | 9.0% (stronger) |
| Offices | 82 | 1 |
| CFPB complaints (3 yrs) | 21 | — |
| Complaints per $1B deposits | 1.3 | — |
| Mortgage denial rate (HMDA) | 8.1% | — |
Citizens Business Bank, National Association has the higher TellerScore (73 vs 34). On the 7 directional measures above (where higher or lower is clearly better), Citizens Business Bank, National Association leads on 5 and County Schools Federal 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.