Side-by-side · Q2 2026 data
Citizens State Bank vs Hockley County Credit Union
Metric by metric
| Measure | Citizens State Bank | Hockley County Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 100 (stronger) | 78 |
| Earnings | 53 (stronger) | 36 |
| Funding & liquidity | 61 | 97 (stronger) |
| Problem-loan coverage | 95 (stronger) | 85 |
| Peer percentile | 76th | 26th |
| Total assets | $80.7M | $45.4M |
| Deposits / shares | $67.0M | $40.2M |
| Capital ratio | 15.98% (stronger) | 9.42% |
| Problem loans | 0.01% (stronger) | 0.65% |
| Net charge-offs | 0.00% | -0.67% (stronger) |
| Return on assets | 0.82% (stronger) | 0.39% |
| Loans ÷ deposits | 99.5% | 63.2% (stronger) |
| Uninsured deposits | 14.8% | 8.1% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (84 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 4 and Hockley County Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.