Side-by-side · Q2 2026 data
Commerce Bank vs Citizens Equity First Credit Union
Metric by metric
| Measure | Commerce Bank | Citizens Equity First Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 71 |
| Capital cushion | 64 | 67 (stronger) |
| Loan quality | 94 (stronger) | 68 |
| Earnings | 70 | 73 (stronger) |
| Funding & liquidity | 61 | 73 (stronger) |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 91st | 62nd |
| Total assets | $35.0B | $8.5B |
| Deposits / shares | $28.1B | $7.4B |
| Capital ratio | 11.43% | 11.65% (stronger) |
| Problem loans | 0.17% (stronger) | 0.96% |
| Net charge-offs | 0.25% (stronger) | 0.71% |
| Return on assets | 1.25% | 1.33% (stronger) |
| Loans ÷ deposits | 73.5% (stronger) | 87.4% |
| Uninsured deposits | 38.6% | 8.9% (stronger) |
| Offices | 146 | 33 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.2% | — |
Commerce Bank has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Commerce Bank leads on 4 and Citizens Equity First Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.