Side-by-side · Q2 2026 data
Citizens National Bank of Texas vs Dallas U.P. Employees Credit Union
Metric by metric
| Measure | Citizens National Bank of Texas | Dallas U.P. Employees Credit Union |
|---|---|---|
| TellerScore | 70 | 81 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 53 (stronger) | 49 |
| Earnings | 100 (stronger) | 88 |
| Funding & liquidity | 47 | 78 (stronger) |
| Problem-loan coverage | 78 | 92 (stronger) |
| Peer percentile | 58th | 68th |
| Total assets | $2.2B | $27.2M |
| Deposits / shares | $1.9B | $20.5M |
| Capital ratio | 12.20% | 24.32% (stronger) |
| Problem loans | 1.42% (stronger) | 1.54% |
| Net charge-offs | 0.04% | 0.04% (stronger) |
| Return on assets | 2.49% (stronger) | 1.69% |
| Loans ÷ deposits | 101.2% | 82.2% (stronger) |
| Uninsured deposits | 25.7% | 2.2% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | — |
Dallas U.P. Employees Credit Union has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank of Texas leads on 2 and Dallas U.P. Employees 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.