Side-by-side · Q2 2026 data
First State Bank vs Citizens Federal Credit Union
Metric by metric
| Measure | First State Bank | Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 90 (stronger) |
| Capital cushion | 100 (stronger) | 96 |
| Loan quality | 92 | 96 (stronger) |
| Earnings | 73 | 87 (stronger) |
| Funding & liquidity | 47 | 66 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 86th | 95th |
| Total assets | $150.8M | $201.9M |
| Deposits / shares | $122.9M | $173.8M |
| Capital ratio | 15.90% (stronger) | 14.60% |
| Problem loans | 0.23% | 0.13% (stronger) |
| Net charge-offs | 0.19% (stronger) | 0.39% |
| Return on assets | 1.32% | 1.68% (stronger) |
| Loans ÷ deposits | 86.0% | 77.2% (stronger) |
| Uninsured deposits | 39.8% | 30.3% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Federal Credit Union has the higher TellerScore (90 vs 84). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Citizens Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.