Side-by-side · Q2 2026 data
Citizens State Bank of Loyal vs Co-Op Credit Union
Metric by metric
| Measure | Citizens State Bank of Loyal | Co-Op Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 70 |
| Capital cushion | 65 | 66 (stronger) |
| Loan quality | 100 (stronger) | 73 |
| Earnings | 67 (stronger) | 65 |
| Funding & liquidity | 81 (stronger) | 65 |
| Problem-loan coverage | 100 (stronger) | 88 |
| Peer percentile | 77th | 51st |
| Total assets | $311.5M | $626.8M |
| Deposits / shares | $250.3M | $548.2M |
| Capital ratio | 11.48% | 11.55% (stronger) |
| Problem loans | 0.00% (stronger) | 0.80% |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 1.16% (stronger) | 1.12% |
| Loans ÷ deposits | 71.9% (stronger) | 95.1% |
| Uninsured deposits | 21.3% | 12.6% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.3% | 3.3% |
Citizens State Bank of Loyal has the higher TellerScore (80 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of Loyal leads on 5 and Co-Op Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Neillsville, WI