Side-by-side · Q2 2026 data
First Federal Bank & Trust vs Cit-Co Federal Credit Union
Metric by metric
| Measure | First Federal Bank & Trust | Cit-Co Federal Credit Union |
|---|---|---|
| TellerScore | 40 | 80 (stronger) |
| Capital cushion | 61 (stronger) | 54 |
| Loan quality | 0 | 83 (stronger) |
| Earnings | 47 | 100 (stronger) |
| Funding & liquidity | 43 | 92 (stronger) |
| Problem-loan coverage | 56 | 94 (stronger) |
| Peer percentile | 2nd | 65th |
| Total assets | $621.1M | $32.9M |
| Deposits / shares | $551.9M | $29.4M |
| Capital ratio | 11.05% (stronger) | 10.40% |
| Problem loans | 3.29% | 0.51% (stronger) |
| Net charge-offs | 0.39% | 0.12% (stronger) |
| Return on assets | 0.68% | 4.50% (stronger) |
| Loans ÷ deposits | 86.8% | 68.7% (stronger) |
| Uninsured deposits | 42.6% | 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 40). On the 7 directional measures above (where higher or lower is clearly better), First Federal Bank & Trust leads on 1 and Cit-Co Federal 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.