Side-by-side · Q2 2026 data
Citizens State Bank vs Education First Federal Credit Union
Metric by metric
| Measure | Citizens State Bank | Education First Federal Credit Union |
|---|---|---|
| TellerScore | 44 | 65 (stronger) |
| Capital cushion | 82 (stronger) | 41 |
| Loan quality | 0 | 79 (stronger) |
| Earnings | 42 | 49 (stronger) |
| Funding & liquidity | 34 | 91 (stronger) |
| Problem-loan coverage | 63 | 91 (stronger) |
| Peer percentile | 4th | 34th |
| Total assets | $511.4M | $583.1M |
| Deposits / shares | $449.2M | $532.6M |
| Capital ratio | 13.18% (stronger) | 9.11% |
| Problem loans | 3.10% | 0.62% (stronger) |
| Net charge-offs | 0.11% (stronger) | 1.04% |
| Return on assets | 0.55% | 0.72% (stronger) |
| Loans ÷ deposits | 82.0% | 68.9% (stronger) |
| Uninsured deposits | 54.5% | 6.7% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Education First Federal Credit Union has the higher TellerScore (65 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 2 and Education First Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Woodville, TX