Side-by-side · Q2 2026 data
State Bank of Schaller vs Citizens Community Credit Union
Metric by metric
| Measure | State Bank of Schaller | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 59 | 88 (stronger) |
| Capital cushion | 83 | 100 (stronger) |
| Loan quality | 0 | 76 (stronger) |
| Earnings | 52 | 87 (stronger) |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 87 | 95 (stronger) |
| Peer percentile | 18th | 92nd |
| Total assets | $40.6M | $253.6M |
| Deposits / shares | $34.9M | $201.9M |
| Capital ratio | 13.27% | 19.14% (stronger) |
| Problem loans | 3.69% | 0.73% (stronger) |
| Net charge-offs | 1.20% | 0.76% (stronger) |
| Return on assets | 0.81% | 1.69% (stronger) |
| Loans ÷ deposits | 28.6% (stronger) | 81.1% |
| Uninsured deposits | 0.5% (stronger) | 5.0% |
| 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 59). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Schaller leads on 2 and Citizens Community 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.