Side-by-side · Q2 2026 data
Citizens Savings Bank vs Pocono Medical Center Federal Credit Union
Credit union
Pocono Medical Center Federal Credit Union
East Stroudsbur, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Citizens Savings Bank | Pocono Medical Center Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 91 | 91 |
| Earnings | 30 (stronger) | 23 |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 72nd | 54th |
| Total assets | $359.0M | $3.4M |
| Deposits / shares | $304.0M | $3.0M |
| Capital ratio | 15.12% (stronger) | 12.90% |
| Problem loans | 0.27% (stronger) | 0.28% |
| Net charge-offs | 0.00% (stronger) | 0.28% |
| Return on assets | 0.24% (stronger) | 0.07% |
| Loans ÷ deposits | 98.1% | 46.5% (stronger) |
| Uninsured deposits | 6.7% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | — |
Citizens Savings Bank has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Citizens Savings Bank leads on 5 and Pocono Medical Center Federal Credit Union on 2. 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.