Side-by-side · Q2 2026 data
Citizens National Bank at Brownwood vs First Central Credit Union
Metric by metric
| Measure | Citizens National Bank at Brownwood | First Central Credit Union |
|---|---|---|
| TellerScore | 74 | 76 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 75 (stronger) | 35 |
| Earnings | 79 (stronger) | 68 |
| Funding & liquidity | 94 | 99 (stronger) |
| Problem-loan coverage | 93 (stronger) | 85 |
| Peer percentile | 57th | 68th |
| Total assets | $303.4M | $191.7M |
| Deposits / shares | $272.4M | $160.2M |
| Capital ratio | 10.47% | 16.35% (stronger) |
| Problem loans | 0.74% (stronger) | 1.95% |
| Net charge-offs | 0.06% (stronger) | 0.75% |
| Return on assets | 1.47% (stronger) | 1.19% |
| Loans ÷ deposits | 39.9% (stronger) | 61.3% |
| Uninsured deposits | 20.8% | 5.1% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.0% |
First Central Credit Union has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank at Brownwood leads on 4 and First Central Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.