Side-by-side · Q2 2026 data
The Citizens Bank vs Five Star Credit Union
Metric by metric
| Measure | The Citizens Bank | Five Star Credit Union |
|---|---|---|
| TellerScore | 70 | 72 (stronger) |
| Capital cushion | 56 | 88 (stronger) |
| Loan quality | 86 (stronger) | 50 |
| Earnings | 65 (stronger) | 63 |
| Funding & liquidity | 64 | 81 (stronger) |
| Problem-loan coverage | 94 (stronger) | 84 |
| Peer percentile | 43rd | 66th |
| Total assets | $233.3M | $1.3B |
| Deposits / shares | $209.8M | $1.1B |
| Capital ratio | 10.56% | 13.82% (stronger) |
| Problem loans | 0.42% (stronger) | 1.50% |
| Net charge-offs | 0.00% (stronger) | 0.53% |
| Return on assets | 1.12% (stronger) | 1.09% |
| Loans ÷ deposits | 77.4% (stronger) | 79.2% |
| Uninsured deposits | 31.5% | 11.8% (stronger) |
| Offices | 2 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 27.7% |
Five Star Credit Union has the higher TellerScore (72 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 4 and Five Star 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.