Side-by-side · Q2 2026 data
Prosperity Bank vs Citizens Federal Credit Union
Metric by metric
| Measure | Prosperity Bank | Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 90 (stronger) |
| Capital cushion | 56 | 96 (stronger) |
| Loan quality | 84 | 96 (stronger) |
| Earnings | 75 | 87 (stronger) |
| Funding & liquidity | 54 | 66 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 76th | 95th |
| Total assets | $43.9B | $201.9M |
| Deposits / shares | $32.9B | $173.8M |
| Capital ratio | 10.64% | 14.60% (stronger) |
| Problem loans | 0.48% | 0.13% (stronger) |
| Net charge-offs | 0.35% (stronger) | 0.39% |
| Return on assets | 1.37% | 1.68% (stronger) |
| Loans ÷ deposits | 74.8% (stronger) | 77.2% |
| Uninsured deposits | 42.7% | 30.3% (stronger) |
| Offices | 373 | 6 |
| CFPB complaints (3 yrs) | 117 | — |
| Complaints per $1B deposits | 3.6 | — |
| Mortgage denial rate (HMDA) | 31.5% | — |
Citizens Federal Credit Union has the higher TellerScore (90 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Prosperity Bank leads on 2 and Citizens Federal Credit Union on 5. 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.