Side-by-side · Q2 2026 data
Citizens National Bank of Albion vs Alero Financial Credit Union
Metric by metric
| Measure | Citizens National Bank of Albion | Alero Financial Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 70 |
| Loan quality | 82 (stronger) | 74 |
| Earnings | 80 (stronger) | 34 |
| Funding & liquidity | 80 (stronger) | 71 |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 92nd | 37th |
| Total assets | $348.5M | $953.5M |
| Deposits / shares | $283.9M | $822.6M |
| Capital ratio | 17.35% (stronger) | 11.95% |
| Problem loans | 0.54% (stronger) | 0.79% |
| Net charge-offs | 0.14% (stronger) | 0.65% |
| Return on assets | 1.51% (stronger) | 0.35% |
| Loans ÷ deposits | 78.5% (stronger) | 89.2% |
| Uninsured deposits | 16.8% | 13.7% (stronger) |
| Offices | 5 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank of Albion has the higher TellerScore (88 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank of Albion leads on 6 and Alero Financial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.