Side-by-side · Q2 2026 data
Citizens Savings Bank vs Zellco Federal Credit Union
Credit union
Zellco Federal Credit Union
Bogalusa, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Citizens Savings Bank | Zellco Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 89 (stronger) |
| Capital cushion | 93 | 100 (stronger) |
| Loan quality | 75 | 76 (stronger) |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 72 (stronger) | 69 |
| Problem-loan coverage | 91 | 97 (stronger) |
| Peer percentile | 80th | 87th |
| Total assets | $329.1M | $94.5M |
| Deposits / shares | $282.4M | $64.9M |
| Capital ratio | 14.33% | 31.85% (stronger) |
| Problem loans | 0.74% | 0.73% (stronger) |
| Net charge-offs | 0.17% (stronger) | 0.21% |
| Return on assets | 1.28% | 2.15% (stronger) |
| Loans ÷ deposits | 87.9% (stronger) | 91.4% |
| Uninsured deposits | 11.0% | 3.7% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | — |
Zellco Federal Credit Union has the higher TellerScore (89 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Citizens Savings Bank leads on 2 and Zellco Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Bogalusa, LA
- Franklinton, LA