Side-by-side · Q2 2026 data
Citizens Federal Credit Union vs Txdot Credit Union
Metric by metric
| Measure | Citizens Federal Credit Union | Txdot Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 81 |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 96 (stronger) | 82 |
| Earnings | 87 (stronger) | 58 |
| Funding & liquidity | 66 (stronger) | 65 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 95th | 68th |
| Total assets | $201.9M | $18.2M |
| Deposits / shares | $173.8M | $15.0M |
| Capital ratio | 14.60% | 17.19% (stronger) |
| Problem loans | 0.13% (stronger) | 0.54% |
| Net charge-offs | 0.39% | 0.21% (stronger) |
| Return on assets | 1.68% (stronger) | 0.96% |
| Loans ÷ deposits | 77.2% (stronger) | 95.7% |
| 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 81). On the 7 directional measures above (where higher or lower is clearly better), Citizens Federal Credit Union leads on 4 and Txdot 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.