Side-by-side · Q2 2026 data
The Citizens Bank vs Your Hometown Federal Credit Union
Credit union
Your Hometown Federal Credit Union
Mayfield, Kentucky · Under $100 million in assets
Metric by metric
| Measure | The Citizens Bank | Your Hometown Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 47 |
| Capital cushion | 77 (stronger) | 43 |
| Loan quality | 89 (stronger) | 42 |
| Earnings | 89 (stronger) | 0 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 82nd | 7th |
| Total assets | $220.4M | $25.6M |
| Deposits / shares | $193.7M | $23.1M |
| Capital ratio | 12.67% (stronger) | 9.25% |
| Problem loans | 0.34% (stronger) | 1.75% |
| Net charge-offs | 0.04% | -0.18% (stronger) |
| Return on assets | 1.73% (stronger) | -0.73% |
| Loans ÷ deposits | 85.2% | 33.7% (stronger) |
| Uninsured deposits | 26.0% | 7.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank has the higher TellerScore (82 vs 47). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 4 and Your Hometown Federal 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.