Side-by-side · Q2 2026 data
Citizens State Bank vs San Angelo Federal Credit Union
Metric by metric
| Measure | Citizens State Bank | San Angelo Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 84 (stronger) |
| Capital cushion | 57 | 79 (stronger) |
| Loan quality | 85 (stronger) | 76 |
| Earnings | 100 (stronger) | 84 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 90 | 93 (stronger) |
| Peer percentile | 61st | 75th |
| Total assets | $270.1M | $40.6M |
| Deposits / shares | $239.6M | $35.1M |
| Capital ratio | 10.74% | 12.88% (stronger) |
| Problem loans | 0.44% (stronger) | 0.73% |
| Net charge-offs | 0.38% | 0.25% (stronger) |
| Return on assets | 2.55% (stronger) | 1.59% |
| Loans ÷ deposits | 87.4% | 57.4% (stronger) |
| Uninsured deposits | 35.6% | 0.7% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
San Angelo Federal Credit Union has the higher TellerScore (84 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 2 and San Angelo Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.