Side-by-side · Q2 2026 data
Citizens State Bank vs Lake Superior Credit Union
Metric by metric
| Measure | Citizens State Bank | Lake Superior Credit Union |
|---|---|---|
| TellerScore | 70 | 96 (stronger) |
| Capital cushion | 36 | 93 (stronger) |
| Loan quality | 94 | 94 |
| Earnings | 93 | 100 (stronger) |
| Funding & liquidity | 49 | 98 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 43rd | 97th |
| Total assets | $581.0M | $11.2M |
| Deposits / shares | $530.5M | $9.5M |
| Capital ratio | 8.58% | 14.32% (stronger) |
| Problem loans | 0.18% | 0.17% (stronger) |
| Net charge-offs | 0.27% | 0.24% (stronger) |
| Return on assets | 1.83% | 2.19% (stronger) |
| Loans ÷ deposits | 84.9% | 61.9% (stronger) |
| Uninsured deposits | 38.5% | 1.2% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lake Superior Credit Union has the higher TellerScore (96 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 0 and Lake Superior Credit Union on 7. 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.
Where both have branches
- Ontonagon, MI