Side-by-side · Q2 2026 data
Citizens State Bank vs Westconsin Credit Union
Metric by metric
| Measure | Citizens State Bank | Westconsin Credit Union |
|---|---|---|
| TellerScore | 58 | 78 (stronger) |
| Capital cushion | 38 | 80 (stronger) |
| Loan quality | 67 | 79 (stronger) |
| Earnings | 68 (stronger) | 64 |
| Funding & liquidity | 58 | 81 (stronger) |
| Problem-loan coverage | 80 | 93 (stronger) |
| Peer percentile | 16th | 84th |
| Total assets | $237.6M | $2.2B |
| Deposits / shares | $196.8M | $1.9B |
| Capital ratio | 8.77% | 12.95% (stronger) |
| Problem loans | 0.99% | 0.64% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.22% |
| Return on assets | 1.21% (stronger) | 1.10% |
| Loans ÷ deposits | 100.5% | 79.2% (stronger) |
| Uninsured deposits | 16.9% | 5.9% (stronger) |
| Offices | 6 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.4% |
Westconsin Credit Union has the higher TellerScore (78 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 2 and Westconsin 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.