Side-by-side · Q2 2026 data
Citizens National Bank of Cheboygan vs Awakon Federal Credit Union
Metric by metric
| Measure | Citizens National Bank of Cheboygan | Awakon Federal Credit Union |
|---|---|---|
| TellerScore | 53 | 71 (stronger) |
| Capital cushion | 35 | 85 (stronger) |
| Loan quality | 51 (stronger) | 38 |
| Earnings | 49 | 79 (stronger) |
| Funding & liquidity | 87 (stronger) | 80 |
| Problem-loan coverage | 68 | 81 (stronger) |
| Peer percentile | 9th | 54th |
| Total assets | $471.0M | $202.7M |
| Deposits / shares | $435.8M | $172.4M |
| Capital ratio | 8.49% | 13.54% (stronger) |
| Problem loans | 1.47% (stronger) | 1.86% |
| Net charge-offs | 0.00% (stronger) | 0.70% |
| Return on assets | 0.73% | 1.47% (stronger) |
| Loans ÷ deposits | 60.8% (stronger) | 80.3% |
| Uninsured deposits | 26.2% | 7.7% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Awakon Federal Credit Union has the higher TellerScore (71 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank of Cheboygan leads on 3 and Awakon Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Indian River, MI
- Onaway, MI