Side-by-side · Q2 2026 data
Citizens State Bank vs Westconsin Credit Union
Metric by metric
| Measure | Citizens State Bank | Westconsin Credit Union |
|---|---|---|
| TellerScore | 66 | 78 (stronger) |
| Capital cushion | 50 | 80 (stronger) |
| Loan quality | 86 (stronger) | 79 |
| Earnings | 68 (stronger) | 64 |
| Funding & liquidity | 47 | 81 (stronger) |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 31st | 84th |
| Total assets | $488.2M | $2.2B |
| Deposits / shares | $410.5M | $1.9B |
| Capital ratio | 10.02% | 12.95% (stronger) |
| Problem loans | 0.43% (stronger) | 0.64% |
| Net charge-offs | 0.02% (stronger) | 0.22% |
| Return on assets | 1.21% (stronger) | 1.10% |
| Loans ÷ deposits | 96.4% | 79.2% (stronger) |
| Uninsured deposits | 30.1% | 5.9% (stronger) |
| Offices | 5 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.4% |
Westconsin Credit Union has the higher TellerScore (78 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 3 and Westconsin Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.