Side-by-side · Q2 2026 data
Citizens National Bank of Texas vs Allied Federal Credit Union
Metric by metric
| Measure | Citizens National Bank of Texas | Allied Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 88 (stronger) |
| Capital cushion | 72 | 72 |
| Loan quality | 53 | 92 (stronger) |
| Earnings | 100 (stronger) | 92 |
| Funding & liquidity | 47 | 100 (stronger) |
| Problem-loan coverage | 78 | 98 (stronger) |
| Peer percentile | 58th | 92nd |
| Total assets | $2.2B | $137.6M |
| Deposits / shares | $1.9B | $120.1M |
| Capital ratio | 12.20% | 12.22% (stronger) |
| Problem loans | 1.42% | 0.23% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.40% |
| Return on assets | 2.49% (stronger) | 1.79% |
| Loans ÷ deposits | 101.2% | 46.4% (stronger) |
| Uninsured deposits | 25.7% | 3.8% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | 0.0% |
Allied Federal Credit Union has the higher TellerScore (88 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank of Texas leads on 2 and Allied Federal Credit Union on 5. 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.