Side-by-side · Q2 2026 data
Citizens State Bank vs I.M. Detroit District Credit Union
Credit union
I.M. Detroit District Credit Union
Detroit, Michigan · Under $100 million in assets
Metric by metric
| Measure | Citizens State Bank | I.M. Detroit District Credit Union |
|---|---|---|
| TellerScore | 70 | 93 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 93 | 100 (stronger) |
| Funding & liquidity | 49 | 50 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 43rd | 94th |
| Total assets | $581.0M | $1.9M |
| Deposits / shares | $530.5M | $1.4M |
| Capital ratio | 8.58% | 28.08% (stronger) |
| Problem loans | 0.18% | 0.00% (stronger) |
| Net charge-offs | 0.27% | 0.00% (stronger) |
| Return on assets | 1.83% | 2.34% (stronger) |
| Loans ÷ deposits | 84.9% | 2.2% (stronger) |
| Uninsured deposits | 38.5% (stronger) | 88.7% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
I.M. Detroit District Credit Union has the higher TellerScore (93 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 1 and I.M. Detroit District Credit Union on 6. 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.