Side-by-side · Q2 2026 data
Citizens Community Bank vs Academic Employees Credit Union
Credit union
Academic Employees Credit Union
Columbia, Missouri · Under $100 million in assets
Metric by metric
| Measure | Citizens Community Bank | Academic Employees Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 64 |
| Capital cushion | 66 (stronger) | 25 |
| Loan quality | 91 (stronger) | 70 |
| Earnings | 68 | 74 (stronger) |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 88 |
| Peer percentile | 75th | 28th |
| Total assets | $142.6M | $17.2M |
| Deposits / shares | $125.9M | $15.8M |
| Capital ratio | 11.56% (stronger) | 7.45% |
| Problem loans | 0.27% (stronger) | 0.90% |
| Net charge-offs | 0.25% (stronger) | 0.61% |
| Return on assets | 1.19% | 1.35% (stronger) |
| Loans ÷ deposits | 75.7% | 54.2% (stronger) |
| Uninsured deposits | 9.8% | 0.7% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Bank has the higher TellerScore (79 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Citizens Community Bank leads on 4 and Academic Employees Credit Union on 3. 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.