Side-by-side · Q2 2026 data
Citizens State Bank of New Castle, Indiana vs Madison County Federal Credit Union
Metric by metric
| Measure | Citizens State Bank of New Castle, Indiana | Madison County Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 73 (stronger) |
| Capital cushion | 55 | 62 (stronger) |
| Loan quality | 87 (stronger) | 78 |
| Earnings | 62 (stronger) | 60 |
| Funding & liquidity | 65 | 92 (stronger) |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 43rd | 60th |
| Total assets | $908.8M | $114.0M |
| Deposits / shares | $795.2M | $100.2M |
| Capital ratio | 10.45% | 11.24% (stronger) |
| Problem loans | 0.40% (stronger) | 0.67% |
| Net charge-offs | 0.12% (stronger) | 0.37% |
| Return on assets | 1.06% (stronger) | 1.01% |
| Loans ÷ deposits | 73.2% | 68.0% (stronger) |
| Uninsured deposits | 34.8% | 2.9% (stronger) |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.7% | 17.6% |
Madison County Federal Credit Union has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of New Castle, Indiana leads on 3 and Madison County Federal 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.