Side-by-side · Q2 2026 data
Citizens State Bank vs Jessop Community Federal Credit Union
Credit union
Jessop Community Federal Credit Union
Washington, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Citizens State Bank | Jessop Community Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 87 (stronger) |
| Capital cushion | 36 | 88 (stronger) |
| Loan quality | 94 (stronger) | 87 |
| Earnings | 93 (stronger) | 70 |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 43rd | 83rd |
| Total assets | $581.0M | $34.1M |
| Deposits / shares | $530.5M | $29.3M |
| Capital ratio | 8.58% | 13.83% (stronger) |
| Problem loans | 0.18% (stronger) | 0.38% |
| Net charge-offs | 0.27% (stronger) | 0.33% |
| Return on assets | 1.83% (stronger) | 1.26% |
| Loans ÷ deposits | 84.9% | 38.2% (stronger) |
| Uninsured deposits | 38.5% | 4.1% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Jessop Community Federal Credit Union has the higher TellerScore (87 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 3 and Jessop Community Federal Credit Union on 4. 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.