Side-by-side · Q2 2026 data
Citizens National Bank vs Velocity Credit Union
Metric by metric
| Measure | Citizens National Bank | Velocity Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 76 |
| Capital cushion | 77 | 89 (stronger) |
| Loan quality | 100 (stronger) | 81 |
| Earnings | 84 (stronger) | 24 |
| Funding & liquidity | 73 | 97 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 90th | 79th |
| Total assets | $691.8M | $1.1B |
| Deposits / shares | $604.0M | $872.4M |
| Capital ratio | 12.73% | 13.92% (stronger) |
| Problem loans | 0.00% (stronger) | 0.57% |
| Net charge-offs | -0.00% (stronger) | 1.69% |
| Return on assets | 1.61% (stronger) | 0.10% |
| Loans ÷ deposits | 68.9% | 63.3% (stronger) |
| Uninsured deposits | 31.1% | 7.1% (stronger) |
| Offices | 11 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 39.7% |
Citizens National Bank has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 4 and Velocity Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.