Side-by-side · Q2 2026 data
Citizens Savings Bank vs S T S P Federal Credit Union
Metric by metric
| Measure | Citizens Savings Bank | S T S P Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 68 |
| Capital cushion | 93 (stronger) | 44 |
| Loan quality | 75 | 79 (stronger) |
| Earnings | 71 (stronger) | 54 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 80th | 36th |
| Total assets | $329.1M | $779K |
| Deposits / shares | $282.4M | $706K |
| Capital ratio | 14.33% (stronger) | 9.42% |
| Problem loans | 0.74% | 0.62% (stronger) |
| Net charge-offs | 0.17% | 0.00% (stronger) |
| Return on assets | 1.28% (stronger) | 0.86% |
| Loans ÷ deposits | 87.9% | 54.7% (stronger) |
| Uninsured deposits | 11.0% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | — |
Citizens Savings Bank has the higher TellerScore (81 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Citizens Savings Bank leads on 3 and S T S P Federal Credit Union on 4. 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.