Side-by-side · Q2 2026 data
Fairmont School Employees Federal Credit Union vs Citizens Community Credit Union
Credit union
Fairmont School Employees Federal Credit Union
Fairmont, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Fairmont School Employees Federal Credit Union | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 62 | 88 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 67 | 76 (stronger) |
| Earnings | 44 | 87 (stronger) |
| Funding & liquidity | 75 | 79 (stronger) |
| Problem-loan coverage | 87 | 95 (stronger) |
| Peer percentile | 24th | 92nd |
| Total assets | $4.3M | $253.6M |
| Deposits / shares | $3.8M | $201.9M |
| Capital ratio | 10.45% | 19.14% (stronger) |
| Problem loans | 0.98% | 0.73% (stronger) |
| Net charge-offs | 0.77% | 0.76% (stronger) |
| Return on assets | 0.61% | 1.69% (stronger) |
| Loans ÷ deposits | 85.6% | 81.1% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 5.0% |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Credit Union has the higher TellerScore (88 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Fairmont School Employees Federal Credit Union leads on 1 and Citizens Community 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.