Side-by-side · Q2 2026 data
Citizens First Bank vs Oakdale Credit Union
Metric by metric
| Measure | Citizens First Bank | Oakdale Credit Union |
|---|---|---|
| TellerScore | 75 | 95 (stronger) |
| Capital cushion | 53 | 84 (stronger) |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 97 | 100 (stronger) |
| Funding & liquidity | 57 | 99 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 61st | 98th |
| Total assets | $344.5M | $132.4M |
| Deposits / shares | $283.1M | $112.8M |
| Capital ratio | 10.26% | 13.35% (stronger) |
| Problem loans | 0.44% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 1.93% | 2.29% (stronger) |
| Loans ÷ deposits | 89.1% | 61.7% (stronger) |
| Uninsured deposits | 28.3% | 8.2% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Oakdale Credit Union has the higher TellerScore (95 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens First Bank leads on 1 and Oakdale Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.