Side-by-side · Q2 2026 data
The Citizens Bank vs Georgetown Kraft Credit Union
Credit union
Georgetown Kraft Credit Union
Georgetown, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | The Citizens Bank | Georgetown Kraft Credit Union |
|---|---|---|
| TellerScore | 74 | 87 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 94 (stronger) | 68 |
| Earnings | 70 | 84 (stronger) |
| Funding & liquidity | 83 | 90 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 74th | 91st |
| Total assets | $1.1B | $191.9M |
| Deposits / shares | $1.0B | $155.4M |
| Capital ratio | 9.91% | 18.67% (stronger) |
| Problem loans | 0.18% (stronger) | 0.95% |
| Net charge-offs | 0.05% (stronger) | 0.87% |
| Return on assets | 1.24% | 1.59% (stronger) |
| Loans ÷ deposits | 62.5% (stronger) | 70.5% |
| Uninsured deposits | 28.2% | 3.0% (stronger) |
| Offices | 26 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | — |
Georgetown Kraft Credit Union has the higher TellerScore (87 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 3 and Georgetown Kraft Credit Union on 4. 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
- Georgetown, SC
- Andrews, SC
- Kingstree, SC
- Pawleys Island, SC