Side-by-side · Q2 2026 data
First Citizens State Bank vs Educators Credit Union
Metric by metric
| Measure | First Citizens State Bank | Educators Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 89 |
| Loan quality | 100 (stronger) | 68 |
| Earnings | 94 (stronger) | 76 |
| Funding & liquidity | 40 | 84 (stronger) |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 95th | 89th |
| Total assets | $525.2M | $4.0B |
| Deposits / shares | $355.3M | $3.3B |
| Capital ratio | 18.00% (stronger) | 13.92% |
| Problem loans | 0.00% (stronger) | 0.97% |
| Net charge-offs | -0.00% (stronger) | 0.42% |
| Return on assets | 1.85% (stronger) | 1.39% |
| Loans ÷ deposits | 109.2% | 76.6% (stronger) |
| Uninsured deposits | 25.1% | 1.3% (stronger) |
| Offices | 4 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Citizens State Bank has the higher TellerScore (90 vs 81). On the 7 directional measures above (where higher or lower is clearly better), First Citizens State Bank leads on 5 and Educators Credit Union on 2. 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.