Side-by-side · Q2 2026 data
Citizens State Bank vs Westex Federal Credit Union
Metric by metric
| Measure | Citizens State Bank | Westex Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 52 |
| Capital cushion | 100 (stronger) | 43 |
| Loan quality | 100 (stronger) | 39 |
| Earnings | 53 (stronger) | 29 |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 89 |
| Peer percentile | 76th | 11th |
| Total assets | $80.7M | $88.9M |
| Deposits / shares | $67.0M | $79.4M |
| Capital ratio | 15.98% (stronger) | 9.31% |
| Problem loans | 0.01% (stronger) | 1.84% |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | 0.82% (stronger) | 0.22% |
| Loans ÷ deposits | 99.5% | 26.6% (stronger) |
| Uninsured deposits | 14.8% | 1.4% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (84 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 5 and Westex Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.