Side-by-side · Q2 2026 data
The Citizens Bank vs Safe Federal Credit Union
Metric by metric
| Measure | The Citizens Bank | Safe Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 73 |
| Capital cushion | 49 | 60 (stronger) |
| Loan quality | 94 (stronger) | 79 |
| Earnings | 70 | 71 (stronger) |
| Funding & liquidity | 83 (stronger) | 81 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 74th | 70th |
| Total assets | $1.1B | $2.0B |
| Deposits / shares | $1.0B | $1.7B |
| Capital ratio | 9.91% | 10.97% (stronger) |
| Problem loans | 0.18% (stronger) | 0.63% |
| Net charge-offs | 0.05% (stronger) | 1.24% |
| Return on assets | 1.24% | 1.27% (stronger) |
| Loans ÷ deposits | 62.5% (stronger) | 79.1% |
| Uninsured deposits | 28.2% | 8.7% (stronger) |
| Offices | 26 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | 21.3% |
The Citizens Bank has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 4 and Safe Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.