Side-by-side · Q2 2026 data
Citizens Federal Savings Bank vs Sm Federal Credit Union
Metric by metric
| Measure | Citizens Federal Savings Bank | Sm Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 95 (stronger) | 92 |
| Earnings | 28 | 70 (stronger) |
| Funding & liquidity | 70 | 81 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 77th | 87th |
| Total assets | $190.1M | $77.2M |
| Deposits / shares | $149.1M | $61.4M |
| Capital ratio | 20.08% (stronger) | 19.98% |
| Problem loans | 0.15% (stronger) | 0.24% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.19% | 1.24% (stronger) |
| Loans ÷ deposits | 90.1% | 78.9% (stronger) |
| Uninsured deposits | 10.9% | 3.3% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sm Federal Credit Union has the higher TellerScore (89 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Citizens Federal Savings Bank leads on 2 and Sm Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.