Side-by-side · Q2 2026 data
First Financial Bank vs Citizens Federal Credit Union
Metric by metric
| Measure | First Financial Bank | Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 90 (stronger) |
| Capital cushion | 66 | 96 (stronger) |
| Loan quality | 74 | 96 (stronger) |
| Earnings | 91 (stronger) | 87 |
| Funding & liquidity | 65 | 66 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 91st | 95th |
| Total assets | $15.2B | $201.9M |
| Deposits / shares | $13.3B | $173.8M |
| Capital ratio | 11.61% | 14.60% (stronger) |
| Problem loans | 0.77% | 0.13% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.39% |
| Return on assets | 1.77% (stronger) | 1.68% |
| Loans ÷ deposits | 62.1% (stronger) | 77.2% |
| Uninsured deposits | 44.7% | 30.3% (stronger) |
| Offices | 80 | 6 |
| CFPB complaints (3 yrs) | 26 | — |
| Complaints per $1B deposits | 2.0 | — |
| Mortgage denial rate (HMDA) | 12.6% | — |
Citizens Federal Credit Union has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First Financial Bank leads on 3 and Citizens Federal Credit Union on 4. 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.