Side-by-side · Q2 2026 data
First Education Federal Credit Union vs Cit-Co Federal Credit Union
Credit union
First Education Federal Credit Union
Cheyenne, Wyoming · Under $100 million in assets
Metric by metric
| Measure | First Education Federal Credit Union | Cit-Co Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 80 (stronger) |
| Capital cushion | 53 | 54 (stronger) |
| Loan quality | 93 (stronger) | 83 |
| Earnings | 66 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 57th | 65th |
| Total assets | $87.2M | $32.9M |
| Deposits / shares | $77.7M | $29.4M |
| Capital ratio | 10.34% | 10.40% (stronger) |
| Problem loans | 0.20% (stronger) | 0.51% |
| Net charge-offs | 0.02% (stronger) | 0.12% |
| Return on assets | 1.14% | 4.50% (stronger) |
| Loans ÷ deposits | 43.0% (stronger) | 68.7% |
| Uninsured deposits | 3.9% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | — |
Cit-Co Federal Credit Union has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First Education Federal Credit Union leads on 3 and Cit-Co Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.