Side-by-side · Q2 2026 data
Citizens State Bank vs Lufkin Federal Credit Union
Metric by metric
| Measure | Citizens State Bank | Lufkin Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 99 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 83 | 95 (stronger) |
| Earnings | 97 | 99 (stronger) |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 84th | 99th |
| Total assets | $190.6M | $47.8M |
| Deposits / shares | $165.7M | $34.9M |
| Capital ratio | 12.04% | 26.28% (stronger) |
| Problem loans | 0.50% | 0.14% (stronger) |
| Net charge-offs | 0.26% | 0.10% (stronger) |
| Return on assets | 1.91% | 1.98% (stronger) |
| Loans ÷ deposits | 72.8% | 50.2% (stronger) |
| Uninsured deposits | 20.3% | 1.9% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lufkin Federal Credit Union has the higher TellerScore (99 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 0 and Lufkin Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.