Side-by-side · Q2 2026 data
The Citizens Bank of Philadelphia, Mississippi vs First Neshoba Federal Credit Union
Bank
The Citizens Bank of Philadelphia, Mississippi
Philadelphia, Mississippi · $1 billion – $10 billion
Credit union
First Neshoba Federal Credit Union
Philadelphia, Mississippi · Under $100 million in assets
Metric by metric
| Measure | The Citizens Bank of Philadelphia, Mississippi | First Neshoba Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 81 (stronger) |
| Capital cushion | 41 | 82 (stronger) |
| Loan quality | 84 (stronger) | 70 |
| Earnings | 52 | 72 (stronger) |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 88 | 95 (stronger) |
| Peer percentile | 40th | 68th |
| Total assets | $1.6B | $24.6M |
| Deposits / shares | $1.3B | $21.1M |
| Capital ratio | 9.11% | 13.24% (stronger) |
| Problem loans | 0.47% (stronger) | 0.91% |
| Net charge-offs | 0.29% (stronger) | 0.52% |
| Return on assets | 0.80% | 1.30% (stronger) |
| Loans ÷ deposits | 67.1% | 42.2% (stronger) |
| Uninsured deposits | 16.6% | 0.0% (stronger) |
| Offices | 26 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Neshoba Federal Credit Union has the higher TellerScore (81 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Philadelphia, Mississippi leads on 2 and First Neshoba Federal Credit Union on 5. 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.