Side-by-side · Q2 2026 data
Members Financial Federal Credit Union vs Citizens Federal Credit Union
Credit union
Members Financial Federal Credit Union
Midland, Texas · Under $100 million in assets
Metric by metric
| Measure | Members Financial Federal Credit Union | Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 90 (stronger) |
| Capital cushion | 38 | 96 (stronger) |
| Loan quality | 95 | 96 (stronger) |
| Earnings | 19 | 87 (stronger) |
| Funding & liquidity | 100 (stronger) | 66 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 28th | 95th |
| Total assets | $38.6M | $201.9M |
| Deposits / shares | $34.9M | $173.8M |
| Capital ratio | 8.77% | 14.60% (stronger) |
| Problem loans | 0.16% | 0.13% (stronger) |
| Net charge-offs | 0.29% (stronger) | 0.39% |
| Return on assets | -0.02% | 1.68% (stronger) |
| Loans ÷ deposits | 59.4% (stronger) | 77.2% |
| Uninsured deposits | 8.6% (stronger) | 30.3% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Federal Credit Union has the higher TellerScore (90 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Members Financial Federal Credit Union 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.