Side-by-side · Q2 2026 data
Citizens Savings Bank vs Lennox Employees Credit Union
Metric by metric
| Measure | Citizens Savings Bank | Lennox Employees Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 55 |
| Capital cushion | 49 (stronger) | 36 |
| Loan quality | 100 (stronger) | 70 |
| Earnings | 63 (stronger) | 19 |
| Funding & liquidity | 79 | 96 (stronger) |
| Problem-loan coverage | 100 (stronger) | 88 |
| Peer percentile | 51st | 15th |
| Total assets | $77.9M | $73.4M |
| Deposits / shares | $64.6M | $66.7M |
| Capital ratio | 9.90% (stronger) | 8.55% |
| Problem loans | 0.00% (stronger) | 0.89% |
| Net charge-offs | 0.00% (stronger) | 0.62% |
| Return on assets | 1.07% (stronger) | -0.04% |
| Loans ÷ deposits | 76.4% | 64.2% (stronger) |
| Uninsured deposits | 19.2% | 4.2% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Savings Bank has the higher TellerScore (74 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Citizens Savings Bank leads on 5 and Lennox Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.