Side-by-side · Q2 2026 data
The Citizens National Bank of Bluffton vs Usx Federal Credit Union
Metric by metric
| Measure | The Citizens National Bank of Bluffton | Usx Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 78 (stronger) |
| Capital cushion | 60 | 75 (stronger) |
| Loan quality | 78 | 94 (stronger) |
| Earnings | 100 (stronger) | 37 |
| Funding & liquidity | 29 | 96 (stronger) |
| Problem-loan coverage | 90 | 97 (stronger) |
| Peer percentile | 63rd | 74th |
| Total assets | $1.1B | $258.1M |
| Deposits / shares | $863.6M | $225.9M |
| Capital ratio | 11.02% | 12.54% (stronger) |
| Problem loans | 0.66% | 0.18% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.27% |
| Return on assets | 2.45% (stronger) | 0.43% |
| Loans ÷ deposits | 100.7% | 63.8% (stronger) |
| Uninsured deposits | 42.9% | 2.9% (stronger) |
| Offices | 9 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | 15.4% |
Usx Federal Credit Union has the higher TellerScore (78 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 Usx Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.