Side-by-side · Q2 2026 data
Citizens National Bank vs Austin Federal Credit Union
Metric by metric
| Measure | Citizens National Bank | Austin Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 58 |
| Capital cushion | 77 (stronger) | 43 |
| Loan quality | 100 (stronger) | 53 |
| Earnings | 84 (stronger) | 42 |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 90th | 19th |
| Total assets | $691.8M | $38.4M |
| Deposits / shares | $604.0M | $34.6M |
| Capital ratio | 12.73% (stronger) | 9.25% |
| Problem loans | 0.00% (stronger) | 1.40% |
| Net charge-offs | -0.00% (stronger) | 0.74% |
| Return on assets | 1.61% (stronger) | 0.56% |
| Loans ÷ deposits | 68.9% | 47.2% (stronger) |
| Uninsured deposits | 31.1% | 4.8% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank has the higher TellerScore (86 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 5 and Austin Federal 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.