Side-by-side · Q2 2026 data
The Citizens Bank vs Trinity Baptist Church Federal Credit Union
Credit union
Trinity Baptist Church Federal Credit Union
Florence, South Carolina · Under $100 million in assets
Metric by metric
| Measure | The Citizens Bank | Trinity Baptist Church Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 92 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 94 (stronger) | 93 |
| Earnings | 70 (stronger) | 68 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 74th | 92nd |
| Total assets | $1.1B | $2.3M |
| Deposits / shares | $1.0B | $1.9M |
| Capital ratio | 9.91% | 16.83% (stronger) |
| Problem loans | 0.18% (stronger) | 0.20% |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.24% (stronger) | 1.20% |
| Loans ÷ deposits | 62.5% | 42.1% (stronger) |
| Uninsured deposits | 28.2% | 0.0% (stronger) |
| Offices | 26 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | — |
Trinity Baptist Church Federal Credit Union has the higher TellerScore (92 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 2 and Trinity Baptist Church Federal 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.