Side-by-side · Q2 2026 data
Southwest Bank vs Citizens Federal Credit Union
Metric by metric
| Measure | Southwest Bank | Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 90 (stronger) |
| Capital cushion | 63 | 96 (stronger) |
| Loan quality | 89 | 96 (stronger) |
| Earnings | 98 (stronger) | 87 |
| Funding & liquidity | 39 | 66 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 64th | 95th |
| Total assets | $693.7M | $201.9M |
| Deposits / shares | $610.6M | $173.8M |
| Capital ratio | 11.33% | 14.60% (stronger) |
| Problem loans | 0.34% | 0.13% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.39% |
| Return on assets | 1.95% (stronger) | 1.68% |
| Loans ÷ deposits | 79.8% | 77.2% (stronger) |
| Uninsured deposits | 52.0% | 30.3% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Federal Credit Union has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Southwest 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.