Side-by-side · Q2 2026 data
Commercial State Bank vs Centex Citizens Credit Union
Metric by metric
| Measure | Commercial State Bank | Centex Citizens Credit Union |
|---|---|---|
| TellerScore | 49 | 89 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 0 | 85 (stronger) |
| Earnings | 83 (stronger) | 69 |
| Funding & liquidity | 65 | 95 (stronger) |
| Problem-loan coverage | 50 | 97 (stronger) |
| Peer percentile | 6th | 94th |
| Total assets | $126.6M | $118.9M |
| Deposits / shares | $114.3M | $97.7M |
| Capital ratio | 10.92% | 17.16% (stronger) |
| Problem loans | 5.44% | 0.44% (stronger) |
| Net charge-offs | 0.42% | 0.11% (stronger) |
| Return on assets | 1.57% (stronger) | 1.23% |
| Loans ÷ deposits | 35.0% (stronger) | 65.7% |
| Uninsured deposits | 46.8% | 5.6% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Centex Citizens Credit Union has the higher TellerScore (89 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Commercial State Bank leads on 2 and Centex Citizens Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.