Side-by-side · Q2 2026 data
Citizens State Bank of Loyal vs First Choice Credit Union
Credit union
First Choice Credit Union
Marshfield, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Citizens State Bank of Loyal | First Choice Credit Union |
|---|---|---|
| TellerScore | 80 | 89 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 100 (stronger) | 78 |
| Earnings | 67 | 86 (stronger) |
| Funding & liquidity | 81 | 87 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 77th | 87th |
| Total assets | $311.5M | $51.0M |
| Deposits / shares | $250.3M | $42.2M |
| Capital ratio | 11.48% | 16.34% (stronger) |
| Problem loans | 0.00% (stronger) | 0.65% |
| Net charge-offs | 0.01% (stronger) | 0.37% |
| Return on assets | 1.16% | 1.66% (stronger) |
| Loans ÷ deposits | 71.9% (stronger) | 72.8% |
| Uninsured deposits | 21.3% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.3% | — |
First Choice Credit Union has the higher TellerScore (89 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of Loyal leads on 3 and First Choice 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.