Side-by-side · Q2 2026 data
Citizens Federal Credit Union vs Odessa Employees Credit Union
Metric by metric
| Measure | Citizens Federal Credit Union | Odessa Employees Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 89 |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 96 | 100 (stronger) |
| Earnings | 87 (stronger) | 46 |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 95th | 87th |
| Total assets | $201.9M | $21.0M |
| Deposits / shares | $173.8M | $17.5M |
| Capital ratio | 14.60% | 16.15% (stronger) |
| Problem loans | 0.13% | 0.00% (stronger) |
| Net charge-offs | 0.39% | -0.00% (stronger) |
| Return on assets | 1.68% (stronger) | 0.65% |
| Loans ÷ deposits | 77.2% | 60.7% (stronger) |
| Uninsured deposits | 30.3% | 0.0% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Federal Credit Union has the higher TellerScore (90 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Citizens Federal Credit Union leads on 2 and Odessa Employees Credit Union on 5. 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.