Side-by-side · Q2 2026 data
Citizens State Bank vs Rave Financial Credit Union
Metric by metric
| Measure | Citizens State Bank | Rave Financial Credit Union |
|---|---|---|
| TellerScore | 44 | 71 (stronger) |
| Capital cushion | 82 (stronger) | 78 |
| Loan quality | 0 | 81 (stronger) |
| Earnings | 42 | 48 (stronger) |
| Funding & liquidity | 34 | 56 (stronger) |
| Problem-loan coverage | 63 | 90 (stronger) |
| Peer percentile | 4th | 62nd |
| Total assets | $511.4M | $1.2B |
| Deposits / shares | $449.2M | $961.7M |
| Capital ratio | 13.18% (stronger) | 12.82% |
| Problem loans | 3.10% | 0.57% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.53% |
| Return on assets | 0.55% | 0.70% (stronger) |
| Loans ÷ deposits | 82.0% (stronger) | 104.3% |
| Uninsured deposits | 54.5% | 8.2% (stronger) |
| Offices | 5 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 33.2% |
Rave Financial Credit Union has the higher TellerScore (71 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 3 and Rave Financial Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Woodville, TX