Side-by-side · Q2 2026 data
Citizens Business Bank, National Association vs Santa Cruz Community Credit Union
Bank
Citizens Business Bank, National Association
Ontario, California · $10 billion – $100 billion
Credit union
Santa Cruz Community Credit Union
Santa Cruz, California · $100 million – $1 billion
Metric by metric
| Measure | Citizens Business Bank, National Association | Santa Cruz Community Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 57 |
| Capital cushion | 64 (stronger) | 56 |
| Loan quality | 95 (stronger) | 83 |
| Earnings | 67 (stronger) | 0 |
| Funding & liquidity | 44 | 67 (stronger) |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 83rd | 14th |
| Total assets | $21.2B | $172.1M |
| Deposits / shares | $16.4B | $148.7M |
| Capital ratio | 11.41% (stronger) | 10.56% |
| Problem loans | 0.14% (stronger) | 0.52% |
| Net charge-offs | 0.00% (stronger) | 0.66% |
| Return on assets | 1.18% (stronger) | -1.00% |
| Loans ÷ deposits | 72.4% (stronger) | 93.5% |
| Uninsured deposits | 54.2% | 10.8% (stronger) |
| Offices | 82 | 3 |
| 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 57). On the 7 directional measures above (where higher or lower is clearly better), Citizens Business Bank, National Association leads on 6 and Santa Cruz Community Credit Union on 1. 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.