Side-by-side · Q2 2026 data
Citizens National Bank vs Pecu Credit Union
Metric by metric
| Measure | Citizens National Bank | Pecu Credit Union |
|---|---|---|
| TellerScore | 86 | 86 |
| Capital cushion | 77 | 98 (stronger) |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 84 (stronger) | 57 |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 90th | 89th |
| Total assets | $691.8M | $431.4M |
| Deposits / shares | $604.0M | $368.7M |
| Capital ratio | 12.73% | 14.78% (stronger) |
| Problem loans | 0.00% (stronger) | 0.47% |
| Net charge-offs | -0.00% (stronger) | 0.45% |
| Return on assets | 1.61% (stronger) | 0.92% |
| Loans ÷ deposits | 68.9% | 60.6% (stronger) |
| Uninsured deposits | 31.1% | 10.9% (stronger) |
| Offices | 11 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 3 and Pecu Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.