Side-by-side · Q2 2026 data
Citizens Federal Credit Union vs Alliance Credit Union
Metric by metric
| Measure | Citizens Federal Credit Union | Alliance Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 62 |
| Capital cushion | 96 (stronger) | 59 |
| Loan quality | 96 (stronger) | 64 |
| Earnings | 87 (stronger) | 49 |
| Funding & liquidity | 66 (stronger) | 65 |
| Problem-loan coverage | 98 (stronger) | 83 |
| Peer percentile | 95th | 30th |
| Total assets | $201.9M | $1.1B |
| Deposits / shares | $173.8M | $943.8M |
| Capital ratio | 14.60% (stronger) | 10.90% |
| Problem loans | 0.13% (stronger) | 1.07% |
| Net charge-offs | 0.39% (stronger) | 0.67% |
| Return on assets | 1.68% (stronger) | 0.72% |
| Loans ÷ deposits | 77.2% (stronger) | 95.6% |
| Uninsured deposits | 30.3% | 0.0% (stronger) |
| Offices | 6 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Federal Credit Union has the higher TellerScore (90 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Citizens Federal Credit Union leads on 6 and Alliance 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.