Side-by-side · Q2 2026 data
The Citizens Bank Company vs Ravenswood Federal Credit Union
Credit union
Ravenswood Federal Credit Union
Ravenswood, West Virginia · Under $100 million in assets
Metric by metric
| Measure | The Citizens Bank Company | Ravenswood Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 57 |
| Capital cushion | 86 (stronger) | 34 |
| Loan quality | 87 (stronger) | 67 |
| Earnings | 78 (stronger) | 29 |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 90th | 17th |
| Total assets | $334.6M | $53.6M |
| Deposits / shares | $291.0M | $48.8M |
| Capital ratio | 13.56% (stronger) | 8.45% |
| Problem loans | 0.39% (stronger) | 0.99% |
| Net charge-offs | 0.03% (stronger) | 1.10% |
| Return on assets | 1.46% (stronger) | 0.21% |
| Loans ÷ deposits | 63.8% | 35.7% (stronger) |
| Uninsured deposits | 24.5% | 1.3% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank Company has the higher TellerScore (86 vs 57). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank Company leads on 5 and Ravenswood 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.