Side-by-side · Q2 2026 data
Citizens National Bank vs Vatat Credit Union
Metric by metric
| Measure | Citizens National Bank | Vatat Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 82 |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 100 (stronger) | 75 |
| Earnings | 84 (stronger) | 73 |
| Funding & liquidity | 73 (stronger) | 64 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 90th | 70th |
| Total assets | $691.8M | $11.0M |
| Deposits / shares | $604.0M | $8.7M |
| Capital ratio | 12.73% | 17.90% (stronger) |
| Problem loans | 0.00% (stronger) | 0.74% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.61% (stronger) | 1.33% |
| Loans ÷ deposits | 68.9% (stronger) | 78.0% |
| Uninsured deposits | 31.1% (stronger) | 31.4% |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank has the higher TellerScore (86 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 6 and Vatat 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.