Side-by-side · Q2 2026 data
State Bank of Fairmont vs Citizens Community Credit Union
Metric by metric
| Measure | State Bank of Fairmont | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 61 | 88 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 32 | 76 (stronger) |
| Earnings | 89 (stronger) | 87 |
| Funding & liquidity | 76 | 79 (stronger) |
| Problem-loan coverage | 74 | 95 (stronger) |
| Peer percentile | 20th | 92nd |
| Total assets | $154.2M | $253.6M |
| Deposits / shares | $139.1M | $201.9M |
| Capital ratio | 10.40% | 19.14% (stronger) |
| Problem loans | 2.03% | 0.73% (stronger) |
| Net charge-offs | 0.27% (stronger) | 0.76% |
| Return on assets | 1.74% (stronger) | 1.69% |
| Loans ÷ deposits | 75.1% (stronger) | 81.1% |
| Uninsured deposits | 23.5% | 5.0% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Credit Union has the higher TellerScore (88 vs 61). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Fairmont leads on 3 and Citizens Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.