Side-by-side · Q2 2026 data
Citizens Savings Bank and Trust Company vs P.I.A.S. Credit Union
Metric by metric
| Measure | Citizens Savings Bank and Trust Company | P.I.A.S. Credit Union |
|---|---|---|
| TellerScore | 32 | 87 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 9 | 100 (stronger) |
| Earnings | 29 | 35 (stronger) |
| Funding & liquidity | 43 | 100 (stronger) |
| Problem-loan coverage | 41 | 100 (stronger) |
| Peer percentile | 1st | 83rd |
| Total assets | $188.1M | $4.2M |
| Deposits / shares | $156.5M | $3.5M |
| Capital ratio | 9.56% | 17.42% (stronger) |
| Problem loans | 2.72% | 0.00% (stronger) |
| Net charge-offs | 0.20% | 0.00% (stronger) |
| Return on assets | 0.22% | 0.37% (stronger) |
| Loans ÷ deposits | 101.3% | 59.6% (stronger) |
| Uninsured deposits | 28.8% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 52.7% | — |
P.I.A.S. Credit Union has the higher TellerScore (87 vs 32). On the 7 directional measures above (where higher or lower is clearly better), Citizens Savings Bank and Trust Company leads on 0 and P.I.A.S. Credit Union on 7. 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.