Side-by-side · Q2 2026 data
Iowa Trust & Savings Bank vs Citizens Community Credit Union
Metric by metric
| Measure | Iowa Trust & Savings Bank | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 63 | 88 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 74 | 76 (stronger) |
| Earnings | 50 | 87 (stronger) |
| Funding & liquidity | 51 | 79 (stronger) |
| Problem-loan coverage | 90 | 95 (stronger) |
| Peer percentile | 24th | 92nd |
| Total assets | $522.0M | $253.6M |
| Deposits / shares | $396.4M | $201.9M |
| Capital ratio | 10.82% | 19.14% (stronger) |
| Problem loans | 0.79% | 0.73% (stronger) |
| Net charge-offs | 0.34% (stronger) | 0.76% |
| Return on assets | 0.75% | 1.69% (stronger) |
| Loans ÷ deposits | 92.4% | 81.1% (stronger) |
| Uninsured deposits | 29.9% | 5.0% (stronger) |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.3% | — |
Citizens Community Credit Union has the higher TellerScore (88 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Iowa Trust & Savings Bank leads on 1 and Citizens Community Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.