Side-by-side · Q2 2026 data
The Citizens Bank vs High Desert Community Credit Union
Credit union
High Desert Community Credit Union
Aztec, New Mexico · Under $100 million in assets
Metric by metric
| Measure | The Citizens Bank | High Desert Community Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 69 |
| Capital cushion | 41 | 80 (stronger) |
| Loan quality | 99 (stronger) | 35 |
| Earnings | 100 (stronger) | 60 |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 88 |
| Peer percentile | 77th | 38th |
| Total assets | $804.3M | $18.3M |
| Deposits / shares | $697.5M | $15.9M |
| Capital ratio | 9.11% | 12.95% (stronger) |
| Problem loans | 0.02% (stronger) | 1.95% |
| Net charge-offs | 0.06% (stronger) | 0.12% |
| Return on assets | 2.06% (stronger) | 1.01% |
| Loans ÷ deposits | 44.5% | 44.1% (stronger) |
| Uninsured deposits | 29.8% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.9% | — |
The Citizens Bank has the higher TellerScore (80 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 4 and High Desert Community Credit Union on 3. 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.
Where both have branches
- Aztec, NM