Side-by-side · Q2 2026 data
City Bank & Trust Co. vs Engage Federal Credit Union
Credit union
Engage Federal Credit Union
Natchitoches, Louisiana · Under $100 million in assets
Metric by metric
| Measure | City Bank & Trust Co. | Engage Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 86 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 100 (stronger) | 68 |
| Earnings | 86 | 100 (stronger) |
| Funding & liquidity | 77 (stronger) | 63 |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 82nd | 80th |
| Total assets | $382.0M | $28.5M |
| Deposits / shares | $334.0M | $22.0M |
| Capital ratio | 11.35% | 21.59% (stronger) |
| Problem loans | 0.00% (stronger) | 0.95% |
| Net charge-offs | 1.67% | 0.25% (stronger) |
| Return on assets | 1.64% | 2.21% (stronger) |
| Loans ÷ deposits | 71.3% (stronger) | 97.4% |
| Uninsured deposits | 25.9% | 0.1% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Engage Federal Credit Union has the higher TellerScore (86 vs 82). On the 7 directional measures above (where higher or lower is clearly better), City Bank & Trust Co. leads on 2 and Engage Federal Credit Union on 5. 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.