Side-by-side · Q2 2026 data
Citizens Trust Bank vs Southern Energy Credit Union
Metric by metric
| Measure | Citizens Trust Bank | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 71 | 84 (stronger) |
| Capital cushion | 82 | 96 (stronger) |
| Loan quality | 46 | 92 (stronger) |
| Earnings | 83 (stronger) | 39 |
| Funding & liquidity | 63 | 94 (stronger) |
| Problem-loan coverage | 86 | 99 (stronger) |
| Peer percentile | 47th | 93rd |
| Total assets | $790.3M | $3.6B |
| Deposits / shares | $678.1M | $3.2B |
| Capital ratio | 13.24% | 14.59% (stronger) |
| Problem loans | 1.63% | 0.23% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.13% |
| Return on assets | 1.58% (stronger) | 0.46% |
| Loans ÷ deposits | 56.8% | 29.8% (stronger) |
| Uninsured deposits | 48.1% | 20.9% (stronger) |
| Offices | 7 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Energy Credit Union has the higher TellerScore (84 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Citizens Trust Bank leads on 2 and Southern Energy Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.