Side-by-side · Q2 2026 data
Citizens State Bank vs Dugood Federal Credit Union
Metric by metric
| Measure | Citizens State Bank | Dugood Federal Credit Union |
|---|---|---|
| TellerScore | 44 | 87 (stronger) |
| Capital cushion | 82 | 84 (stronger) |
| Loan quality | 0 | 97 (stronger) |
| Earnings | 42 | 76 (stronger) |
| Funding & liquidity | 34 | 80 (stronger) |
| Problem-loan coverage | 63 | 99 (stronger) |
| Peer percentile | 4th | 91st |
| Total assets | $511.4M | $609.4M |
| Deposits / shares | $449.2M | $520.8M |
| Capital ratio | 13.18% | 13.37% (stronger) |
| Problem loans | 3.10% | 0.09% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.19% |
| Return on assets | 0.55% | 1.41% (stronger) |
| Loans ÷ deposits | 82.0% | 80.3% (stronger) |
| Uninsured deposits | 54.5% | 8.4% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.5% |
Dugood Federal Credit Union has the higher TellerScore (87 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 1 and Dugood Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.