Side-by-side · Q2 2026 data
Citizens Federal Credit Union vs First Watch Federal Credit Union
Metric by metric
| Measure | Citizens Federal Credit Union | First Watch Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 66 |
| Capital cushion | 96 (stronger) | 43 |
| Loan quality | 96 | 99 (stronger) |
| Earnings | 87 (stronger) | 28 |
| Funding & liquidity | 66 | 87 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 95th | 37th |
| Total assets | $201.9M | $104.7M |
| Deposits / shares | $173.8M | $94.7M |
| Capital ratio | 14.60% (stronger) | 9.33% |
| Problem loans | 0.13% | 0.03% (stronger) |
| Net charge-offs | 0.39% | 0.14% (stronger) |
| Return on assets | 1.68% (stronger) | 0.19% |
| Loans ÷ deposits | 77.2% | 73.0% (stronger) |
| Uninsured deposits | 30.3% | 6.4% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 27.8% |
Citizens Federal Credit Union has the higher TellerScore (90 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens Federal Credit Union leads on 3 and First Watch Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.