Side-by-side · Q2 2026 data
The Citizens Bank of Swainsboro vs Robins Financial Credit Union
Credit union
Robins Financial Credit Union
Warner Robins, Georgia · $1 billion – $10 billion
Metric by metric
| Measure | The Citizens Bank of Swainsboro | Robins Financial Credit Union |
|---|---|---|
| TellerScore | 82 | 94 (stronger) |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 88 (stronger) | 87 |
| Earnings | 93 | 97 (stronger) |
| Funding & liquidity | 69 | 90 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 82nd | 99th |
| Total assets | $420.5M | $5.0B |
| Deposits / shares | $365.1M | $4.1B |
| Capital ratio | 12.29% | 17.61% (stronger) |
| Problem loans | 0.36% (stronger) | 0.40% |
| Net charge-offs | 0.04% (stronger) | 0.42% |
| Return on assets | 1.83% | 1.91% (stronger) |
| Loans ÷ deposits | 80.3% | 70.6% (stronger) |
| Uninsured deposits | 24.9% | 7.2% (stronger) |
| Offices | 4 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Robins Financial Credit Union has the higher TellerScore (94 vs 82). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Swainsboro leads on 2 and Robins Financial 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.
Where both have branches
- Dublin, GA
- Swainsboro, GA