Side-by-side · Q2 2026 data
Citizens National Bank vs Covenant Savings Federal Credit Union
Credit union
Covenant Savings Federal Credit Union
Killeen, Texas · Under $100 million in assets
Metric by metric
| Measure | Citizens National Bank | Covenant Savings Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 72 |
| Capital cushion | 77 (stronger) | 75 |
| Loan quality | 100 (stronger) | 44 |
| Earnings | 84 | 84 |
| Funding & liquidity | 73 | 87 (stronger) |
| Problem-loan coverage | 100 (stronger) | 83 |
| Peer percentile | 90th | 44th |
| Total assets | $691.8M | $4.2M |
| Deposits / shares | $604.0M | $3.6M |
| Capital ratio | 12.73% (stronger) | 12.48% |
| Problem loans | 0.00% (stronger) | 1.69% |
| Net charge-offs | -0.00% (stronger) | 0.14% |
| Return on assets | 1.61% (stronger) | 1.59% |
| Loans ÷ deposits | 68.9% (stronger) | 73.3% |
| Uninsured deposits | 31.1% | 0.0% (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 72). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 6 and Covenant Savings Federal Credit Union on 1. 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.