Side-by-side · Q2 2026 data
Citizens Federal Savings Bank vs U S P L K Employees Federal Credit Union
Credit union
U S P L K Employees Federal Credit Union
Leavenworth, Kansas · Under $100 million in assets
Metric by metric
| Measure | Citizens Federal Savings Bank | U S P L K Employees Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 87 (stronger) |
| Capital cushion | 100 (stronger) | 89 |
| Loan quality | 95 | 95 |
| Earnings | 28 | 56 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 77th | 83rd |
| Total assets | $190.1M | $34.0M |
| Deposits / shares | $149.1M | $29.1M |
| Capital ratio | 20.08% (stronger) | 13.87% |
| Problem loans | 0.15% (stronger) | 0.15% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.19% | 0.89% (stronger) |
| Loans ÷ deposits | 90.1% | 26.7% (stronger) |
| Uninsured deposits | 10.9% | 2.4% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U S P L K Employees Federal Credit Union has the higher TellerScore (87 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Citizens Federal Savings Bank leads on 2 and U S P L K Employees Federal 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.