Side-by-side · Q2 2026 data
Citizens National Bank of Albion vs Ambraw Federal Credit Union
Metric by metric
| Measure | Citizens National Bank of Albion | Ambraw Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 82 | 95 (stronger) |
| Earnings | 80 (stronger) | 45 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 92nd | 44th |
| Total assets | $348.5M | $16.7M |
| Deposits / shares | $283.9M | $14.9M |
| Capital ratio | 17.35% (stronger) | 9.90% |
| Problem loans | 0.54% | 0.16% (stronger) |
| Net charge-offs | 0.14% | -0.11% (stronger) |
| Return on assets | 1.51% (stronger) | 0.63% |
| Loans ÷ deposits | 78.5% | 16.3% (stronger) |
| Uninsured deposits | 16.8% | 0.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank of Albion has the higher TellerScore (88 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank of Albion leads on 3 and Ambraw Federal Credit Union on 4. 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.