Side-by-side · Q2 2026 data
Citizens First Bank vs Tomah Area Credit Union
Metric by metric
| Measure | Citizens First Bank | Tomah Area Credit Union |
|---|---|---|
| TellerScore | 75 | 83 (stronger) |
| Capital cushion | 53 | 74 (stronger) |
| Loan quality | 85 (stronger) | 84 |
| Earnings | 97 (stronger) | 75 |
| Funding & liquidity | 57 | 100 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 61st | 83rd |
| Total assets | $344.5M | $125.9M |
| Deposits / shares | $283.1M | $108.4M |
| Capital ratio | 10.26% | 12.45% (stronger) |
| Problem loans | 0.44% (stronger) | 0.49% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.93% (stronger) | 1.36% |
| Loans ÷ deposits | 89.1% | 55.8% (stronger) |
| Uninsured deposits | 28.3% | 6.5% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tomah Area Credit Union has the higher TellerScore (83 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens First Bank leads on 3 and Tomah Area Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.