Side-by-side · Q2 2026 data
Citizens State Bank of New Castle, Indiana vs Crossroads Financial Federal Credit Union
Credit union
Crossroads Financial Federal Credit Union
Portland, Indiana · $100 million – $1 billion
Metric by metric
| Measure | Citizens State Bank of New Castle, Indiana | Crossroads Financial Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 100 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 87 | 98 (stronger) |
| Earnings | 62 | 100 (stronger) |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 43rd | 100th |
| Total assets | $908.8M | $102.4M |
| Deposits / shares | $795.2M | $86.4M |
| Capital ratio | 10.45% | 15.12% (stronger) |
| Problem loans | 0.40% | 0.05% (stronger) |
| Net charge-offs | 0.12% | 0.07% (stronger) |
| Return on assets | 1.06% | 2.37% (stronger) |
| Loans ÷ deposits | 73.2% | 54.4% (stronger) |
| Uninsured deposits | 34.8% | 2.2% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.7% | — |
Crossroads Financial Federal Credit Union has the higher TellerScore (100 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of New Castle, Indiana leads on 0 and Crossroads Financial Federal 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.