Side-by-side · Q2 2026 data
Citizens National Bank vs Hiwassee River Credit Union
Metric by metric
| Measure | Citizens National Bank | Hiwassee River Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 74 |
| Capital cushion | 62 (stronger) | 59 |
| Loan quality | 99 (stronger) | 95 |
| Earnings | 100 (stronger) | 36 |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 93rd | 49th |
| Total assets | $2.0B | $27.5M |
| Deposits / shares | $1.7B | $24.4M |
| Capital ratio | 11.17% (stronger) | 10.94% |
| Problem loans | 0.04% (stronger) | 0.15% |
| Net charge-offs | 0.00% (stronger) | 0.23% |
| Return on assets | 2.00% (stronger) | 0.40% |
| Loans ÷ deposits | 75.5% | 47.1% (stronger) |
| Uninsured deposits | 38.8% | 4.6% (stronger) |
| Offices | 21 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | — |
Citizens National Bank has the higher TellerScore (82 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 5 and Hiwassee River 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.