Side-by-side · Q2 2026 data
The Citizens Bank Company vs Mountain Heritage Federal Credit Union
Credit union
Mountain Heritage Federal Credit Union
Parkersburg, West Virginia · Under $100 million in assets
Metric by metric
| Measure | The Citizens Bank Company | Mountain Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 54 |
| Capital cushion | 86 | 95 (stronger) |
| Loan quality | 87 (stronger) | 0 |
| Earnings | 78 (stronger) | 26 |
| Funding & liquidity | 86 | 88 (stronger) |
| Problem-loan coverage | 97 (stronger) | 72 |
| Peer percentile | 90th | 13th |
| Total assets | $334.6M | $47.0M |
| Deposits / shares | $291.0M | $39.9M |
| Capital ratio | 13.56% | 14.52% (stronger) |
| Problem loans | 0.39% (stronger) | 3.24% |
| Net charge-offs | 0.03% (stronger) | 2.08% |
| Return on assets | 1.46% (stronger) | 0.15% |
| Loans ÷ deposits | 63.8% (stronger) | 72.7% |
| Uninsured deposits | 24.5% | 0.5% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank Company has the higher TellerScore (86 vs 54). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank Company leads on 5 and Mountain Heritage Federal Credit Union on 2. 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.