Side-by-side · Q2 2026 data
Citizens Business Bank, National Association vs Ventura County Credit Union
Bank
Citizens Business Bank, National Association
Ontario, California · $10 billion – $100 billion
Metric by metric
| Measure | Citizens Business Bank, National Association | Ventura County Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 47 |
| Capital cushion | 64 (stronger) | 51 |
| Loan quality | 95 (stronger) | 0 |
| Earnings | 67 | 68 (stronger) |
| Funding & liquidity | 44 | 82 (stronger) |
| Problem-loan coverage | 99 (stronger) | 57 |
| Peer percentile | 83rd | 4th |
| Total assets | $21.2B | $1.5B |
| Deposits / shares | $16.4B | $1.3B |
| Capital ratio | 11.41% (stronger) | 10.14% |
| Problem loans | 0.14% (stronger) | 3.17% |
| Net charge-offs | 0.00% (stronger) | 0.44% |
| Return on assets | 1.18% | 1.21% (stronger) |
| Loans ÷ deposits | 72.4% (stronger) | 78.2% |
| Uninsured deposits | 54.2% | 9.5% (stronger) |
| Offices | 82 | 9 |
| CFPB complaints (3 yrs) | 21 | — |
| Complaints per $1B deposits | 1.3 | — |
| Mortgage denial rate (HMDA) | 8.1% | 15.6% |
Citizens Business Bank, National Association has the higher TellerScore (73 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Citizens Business Bank, National Association leads on 5 and Ventura County 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.