Side-by-side · Q2 2026 data
Citizens State Bank vs Aspire Credit Union
Metric by metric
| Measure | Citizens State Bank | Aspire Credit Union |
|---|---|---|
| TellerScore | 83 | 94 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 83 | 98 (stronger) |
| Earnings | 97 (stronger) | 82 |
| Funding & liquidity | 81 | 85 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 84th | 95th |
| Total assets | $190.6M | $38.0M |
| Deposits / shares | $165.7M | $30.0M |
| Capital ratio | 12.04% | 20.52% (stronger) |
| Problem loans | 0.50% | 0.05% (stronger) |
| Net charge-offs | 0.26% | 0.18% (stronger) |
| Return on assets | 1.91% (stronger) | 1.56% |
| Loans ÷ deposits | 72.8% (stronger) | 74.9% |
| Uninsured deposits | 20.3% | 1.6% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Aspire Credit Union has the higher TellerScore (94 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 2 and Aspire Credit Union on 5. 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.