Side-by-side · Q2 2026 data
Citizens State Bank vs Pipefitters-Steamfitters Credit Union
Credit union
Pipefitters-Steamfitters Credit Union
Woodbury, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Citizens State Bank | Pipefitters-Steamfitters Credit Union |
|---|---|---|
| TellerScore | 66 | 83 (stronger) |
| Capital cushion | 50 | 84 (stronger) |
| Loan quality | 86 (stronger) | 64 |
| Earnings | 68 | 87 (stronger) |
| Funding & liquidity | 47 | 100 (stronger) |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 31st | 72nd |
| Total assets | $488.2M | $51.6M |
| Deposits / shares | $410.5M | $44.4M |
| Capital ratio | 10.02% | 13.43% (stronger) |
| Problem loans | 0.43% (stronger) | 1.07% |
| Net charge-offs | 0.02% (stronger) | 0.19% |
| Return on assets | 1.21% | 1.69% (stronger) |
| Loans ÷ deposits | 96.4% | 57.6% (stronger) |
| Uninsured deposits | 30.1% | 9.7% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pipefitters-Steamfitters Credit Union has the higher TellerScore (83 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 2 and Pipefitters-Steamfitters 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.