Side-by-side · Q2 2026 data
The Citizens Bank of Cochran vs H E a Federal Credit Union
Metric by metric
| Measure | The Citizens Bank of Cochran | H E a Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 73 |
| Capital cushion | 98 (stronger) | 85 |
| Loan quality | 89 (stronger) | 28 |
| Earnings | 100 (stronger) | 84 |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 85 |
| Peer percentile | 95th | 47th |
| Total assets | $201.4M | $42.9M |
| Deposits / shares | $169.1M | $37.1M |
| Capital ratio | 14.76% (stronger) | 13.51% |
| Problem loans | 0.33% (stronger) | 2.17% |
| Net charge-offs | 0.17% | 0.15% (stronger) |
| Return on assets | 2.01% (stronger) | 1.60% |
| Loans ÷ deposits | 98.2% | 53.7% (stronger) |
| Uninsured deposits | 15.6% | 4.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank of Cochran has the higher TellerScore (90 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Cochran leads on 4 and H E a Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.