Side-by-side · Q2 2026 data
Citizens National Bank vs A.U.B. Employees' Credit Union
Credit union
A.U.B. Employees' Credit Union
Athens, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Citizens National Bank | A.U.B. Employees' Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 43 |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 99 (stronger) | 0 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 58 (stronger) | 50 |
| Problem-loan coverage | 99 (stronger) | 50 |
| Peer percentile | 93rd | 4th |
| Total assets | $2.0B | $1.4M |
| Deposits / shares | $1.7B | $1.1M |
| Capital ratio | 11.17% | 25.21% (stronger) |
| Problem loans | 0.04% (stronger) | 8.45% |
| Net charge-offs | 0.00% (stronger) | 1.44% |
| Return on assets | 2.00% (stronger) | -4.96% |
| Loans ÷ deposits | 75.5% (stronger) | 113.2% |
| Uninsured deposits | 38.8% | 0.0% (stronger) |
| Offices | 21 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | — |
Citizens National Bank has the higher TellerScore (82 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 5 and A.U.B. Employees' Credit Union on 2. 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.