Side-by-side · Q2 2026 data
Citizens Federal Savings and Loan Association vs St. James Parish Credit Union
Bank
Citizens Federal Savings and Loan Association
Covington, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Citizens Federal Savings and Loan Association | St. James Parish Credit Union |
|---|---|---|
| TellerScore | 79 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 | 100 |
| Earnings | 30 | 72 (stronger) |
| Funding & liquidity | 52 | 68 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 63rd | 89th |
| Total assets | $41.9M | $5.9M |
| Deposits / shares | $28.1M | $4.4M |
| Capital ratio | 28.05% (stronger) | 21.83% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% (stronger) | 0.66% |
| Return on assets | 0.24% | 1.29% (stronger) |
| Loans ÷ deposits | 107.9% | 92.4% (stronger) |
| Uninsured deposits | 4.7% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. James Parish Credit Union has the higher TellerScore (90 vs 79). On the 6 directional measures above (where higher or lower is clearly better), Citizens Federal Savings and Loan Association leads on 2 and St. James Parish Credit Union on 4. 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.