Side-by-side · Q2 2026 data
Employees Credit Union vs Citizens Community Credit Union
Metric by metric
| Measure | Employees Credit Union | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 70 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 76 (stronger) |
| Earnings | 84 | 87 (stronger) |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 85 | 95 (stronger) |
| Peer percentile | 51st | 92nd |
| Total assets | $203.4M | $253.6M |
| Deposits / shares | $164.1M | $201.9M |
| Capital ratio | 18.96% | 19.14% (stronger) |
| Problem loans | 3.25% | 0.73% (stronger) |
| Net charge-offs | 0.25% (stronger) | 0.76% |
| Return on assets | 1.61% | 1.69% (stronger) |
| Loans ÷ deposits | 53.5% (stronger) | 81.1% |
| Uninsured deposits | 11.4% | 5.0% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Credit Union has the higher TellerScore (88 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Employees Credit Union leads on 2 and Citizens Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Estherville, IA