Side-by-side · Q2 2026 data
Citizens State Bank of La Crosse vs Royal Credit Union
Metric by metric
| Measure | Citizens State Bank of La Crosse | Royal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 73 |
| Capital cushion | 84 (stronger) | 58 |
| Loan quality | 65 | 86 (stronger) |
| Earnings | 100 (stronger) | 79 |
| Funding & liquidity | 39 | 63 (stronger) |
| Problem-loan coverage | 86 | 93 (stronger) |
| Peer percentile | 64th | 70th |
| Total assets | $648.5M | $5.9B |
| Deposits / shares | $513.4M | $5.2B |
| Capital ratio | 13.36% (stronger) | 10.83% |
| Problem loans | 1.06% | 0.43% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.59% |
| Return on assets | 2.94% (stronger) | 1.47% |
| Loans ÷ deposits | 105.0% | 97.5% (stronger) |
| Uninsured deposits | 29.4% | 11.2% (stronger) |
| Offices | 4 | 48 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | 11.3% |
Citizens State Bank of La Crosse has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of La Crosse leads on 4 and Royal Credit Union on 3. 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
- Altoona, WI