Side-by-side · Q2 2026 data
Cowboy State Bank vs Cit-Co Federal Credit Union
Metric by metric
| Measure | Cowboy State Bank | Cit-Co Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 80 (stronger) |
| Capital cushion | 74 (stronger) | 54 |
| Loan quality | 70 | 83 (stronger) |
| Earnings | 56 | 100 (stronger) |
| Funding & liquidity | 85 | 92 (stronger) |
| Problem-loan coverage | 64 | 94 (stronger) |
| Peer percentile | 40th | 65th |
| Total assets | $50.3M | $32.9M |
| Deposits / shares | $44.4M | $29.4M |
| Capital ratio | 12.44% (stronger) | 10.40% |
| Problem loans | 0.91% | 0.51% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.12% |
| Return on assets | 0.91% | 4.50% (stronger) |
| Loans ÷ deposits | 75.7% | 68.7% (stronger) |
| Uninsured deposits | 5.0% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cit-Co Federal Credit Union has the higher TellerScore (80 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Cowboy State Bank leads on 2 and Cit-Co Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.