Side-by-side · Q2 2026 data
Citizens State Bank vs Littlefield School Employees Federal Credit Union
Credit union
Littlefield School Employees Federal Credit Union
Littlefield, Texas · Under $100 million in assets
Metric by metric
| Measure | Citizens State Bank | Littlefield School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 84 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 53 (stronger) | 25 |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 76th | 75th |
| Total assets | $80.7M | $1.0M |
| Deposits / shares | $67.0M | $838K |
| Capital ratio | 15.98% | 18.86% (stronger) |
| Problem loans | 0.01% (stronger) | 0.09% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.82% (stronger) | 0.12% |
| Loans ÷ deposits | 99.5% | 34.4% (stronger) |
| Uninsured deposits | 14.8% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 5 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 2 and Littlefield School Employees Federal Credit Union on 3. 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.