Side-by-side · Q2 2026 data
City Bank vs Citizens Federal Credit Union
Metric by metric
| Measure | City Bank | Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 90 (stronger) |
| Capital cushion | 58 | 96 (stronger) |
| Loan quality | 92 | 96 (stronger) |
| Earnings | 81 | 87 (stronger) |
| Funding & liquidity | 57 | 66 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 77th | 95th |
| Total assets | $5.4B | $201.9M |
| Deposits / shares | $4.7B | $173.8M |
| Capital ratio | 10.79% | 14.60% (stronger) |
| Problem loans | 0.25% | 0.13% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.39% |
| Return on assets | 1.52% | 1.68% (stronger) |
| Loans ÷ deposits | 79.0% | 77.2% (stronger) |
| Uninsured deposits | 36.7% | 30.3% (stronger) |
| Offices | 26 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.6% | — |
Citizens Federal Credit Union has the higher TellerScore (90 vs 75). On the 7 directional measures above (where higher or lower is clearly better), City Bank leads on 1 and Citizens Federal Credit Union on 6. 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.