Side-by-side · Q2 2026 data
Citizens State Bank vs 1st Gateway Credit Union
Metric by metric
| Measure | Citizens State Bank | 1st Gateway Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 91 |
| Loan quality | 92 (stronger) | 88 |
| Earnings | 79 (stronger) | 54 |
| Funding & liquidity | 84 (stronger) | 72 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 96th | 78th |
| Total assets | $137.7M | $170.9M |
| Deposits / shares | $112.0M | $146.9M |
| Capital ratio | 17.93% (stronger) | 14.08% |
| Problem loans | 0.25% (stronger) | 0.35% |
| Net charge-offs | 0.14% (stronger) | 0.24% |
| Return on assets | 1.47% (stronger) | 0.84% |
| Loans ÷ deposits | 68.7% (stronger) | 88.3% |
| Uninsured deposits | 21.5% | 3.1% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (91 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 6 and 1st Gateway Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.