Side-by-side · Q2 2026 data
Citizens State Bank vs Southland Federal Credit Union
Metric by metric
| Measure | Citizens State Bank | Southland Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 85 (stronger) |
| Capital cushion | 70 | 94 (stronger) |
| Loan quality | 83 (stronger) | 79 |
| Earnings | 97 (stronger) | 61 |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 84th | 77th |
| Total assets | $190.6M | $89.2M |
| Deposits / shares | $165.7M | $76.0M |
| Capital ratio | 12.04% | 14.41% (stronger) |
| Problem loans | 0.50% (stronger) | 0.62% |
| Net charge-offs | 0.26% (stronger) | 0.83% |
| Return on assets | 1.91% (stronger) | 1.03% |
| Loans ÷ deposits | 72.8% | 55.0% (stronger) |
| Uninsured deposits | 20.3% | 0.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southland Federal Credit Union has the higher TellerScore (85 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 3 and Southland Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.