Side-by-side · Q2 2026 data
NSB Bank vs Citizens Community Credit Union
Metric by metric
| Measure | NSB Bank | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 62 | 88 (stronger) |
| Capital cushion | 35 | 100 (stronger) |
| Loan quality | 89 (stronger) | 76 |
| Earnings | 57 | 87 (stronger) |
| Funding & liquidity | 59 | 79 (stronger) |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 22nd | 92nd |
| Total assets | $460.8M | $253.6M |
| Deposits / shares | $400.6M | $201.9M |
| Capital ratio | 8.49% | 19.14% (stronger) |
| Problem loans | 0.32% (stronger) | 0.73% |
| Net charge-offs | 0.30% (stronger) | 0.76% |
| Return on assets | 0.92% | 1.69% (stronger) |
| Loans ÷ deposits | 82.4% | 81.1% (stronger) |
| Uninsured deposits | 31.8% | 5.0% (stronger) |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Credit Union has the higher TellerScore (88 vs 62). On the 7 directional measures above (where higher or lower is clearly better), NSB Bank leads on 2 and Citizens Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.