Side-by-side · Q2 2026 data
Citizens State Bank vs Caprock Santa Fe Credit Union
Metric by metric
| Measure | Citizens State Bank | Caprock Santa Fe Credit Union |
|---|---|---|
| TellerScore | 84 | 85 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 41 |
| Earnings | 53 | 100 (stronger) |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 76th | 77th |
| Total assets | $80.7M | $51.5M |
| Deposits / shares | $67.0M | $29.6M |
| Capital ratio | 15.98% | 41.73% (stronger) |
| Problem loans | 0.01% (stronger) | 1.77% |
| Net charge-offs | 0.00% (stronger) | 0.81% |
| Return on assets | 0.82% | 2.14% (stronger) |
| Loans ÷ deposits | 99.5% | 49.4% (stronger) |
| Uninsured deposits | 14.8% | 2.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Caprock Santa Fe Credit Union has the higher TellerScore (85 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 2 and Caprock Santa Fe Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.