Side-by-side · Q2 2026 data
Citizens Federal Credit Union vs Big Spring Education Employees Federal Credit Union
Credit union
Big Spring Education Employees Federal Credit Union
Big Spring, Texas · Under $100 million in assets
Metric by metric
| Measure | Citizens Federal Credit Union | Big Spring Education Employees Federal Credit Union |
|---|---|---|
| TellerScore | 90 | 99 (stronger) |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 96 | 96 |
| Earnings | 87 | 100 (stronger) |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 95th | 99th |
| Total assets | $201.9M | $55.3M |
| Deposits / shares | $173.8M | $44.9M |
| Capital ratio | 14.60% | 18.56% (stronger) |
| Problem loans | 0.13% (stronger) | 0.13% |
| Net charge-offs | 0.39% | -0.08% (stronger) |
| Return on assets | 1.68% | 2.72% (stronger) |
| Loans ÷ deposits | 77.2% | 47.1% (stronger) |
| Uninsured deposits | 30.3% | 6.9% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Big Spring Education Employees Federal Credit Union has the higher TellerScore (99 vs 90). On the 7 directional measures above (where higher or lower is clearly better), Citizens Federal Credit Union leads on 1 and Big Spring Education Employees Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.