Side-by-side · Q2 2026 data
The Citizens National Bank of Bluffton vs Millstream Area Credit Union
Metric by metric
| Measure | The Citizens National Bank of Bluffton | Millstream Area Credit Union |
|---|---|---|
| TellerScore | 71 | 82 (stronger) |
| Capital cushion | 60 | 76 (stronger) |
| Loan quality | 78 | 78 |
| Earnings | 100 (stronger) | 77 |
| Funding & liquidity | 29 | 100 (stronger) |
| Problem-loan coverage | 90 | 95 (stronger) |
| Peer percentile | 63rd | 70th |
| Total assets | $1.1B | $70.8M |
| Deposits / shares | $863.6M | $61.3M |
| Capital ratio | 11.02% | 12.64% (stronger) |
| Problem loans | 0.66% | 0.66% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.38% |
| Return on assets | 2.45% (stronger) | 1.41% |
| Loans ÷ deposits | 100.7% | 55.9% (stronger) |
| Uninsured deposits | 42.9% | 0.0% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | — |
Millstream Area Credit Union has the higher TellerScore (82 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Bluffton leads on 2 and Millstream Area 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.