Side-by-side · Q2 2026 data
Citizens Independent Bank vs Carpenters Federal Credit Union
Credit union
Carpenters Federal Credit Union
Saint Paul, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Citizens Independent Bank | Carpenters Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 86 (stronger) |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 95 (stronger) | 66 |
| Earnings | 41 | 74 (stronger) |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 61st | 80th |
| Total assets | $314.2M | $44.3M |
| Deposits / shares | $267.0M | $37.6M |
| Capital ratio | 12.31% | 16.03% (stronger) |
| Problem loans | 0.14% (stronger) | 1.01% |
| Net charge-offs | 2.85% | 0.06% (stronger) |
| Return on assets | 0.53% | 1.35% (stronger) |
| Loans ÷ deposits | 77.5% | 50.7% (stronger) |
| Uninsured deposits | 20.1% | 2.6% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Carpenters Federal Credit Union has the higher TellerScore (86 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens Independent Bank leads on 1 and Carpenters Federal Credit Union on 6. 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.