Side-by-side · Q2 2026 data
The Citizens National Bank of Hammond vs Ed-Med Federal Credit Union
Bank
The Citizens National Bank of Hammond
Hammond, New York · Under $100 million in assets
Metric by metric
| Measure | The Citizens National Bank of Hammond | Ed-Med Federal Credit Union |
|---|---|---|
| TellerScore | 41 | 76 (stronger) |
| Capital cushion | 29 | 75 (stronger) |
| Loan quality | 58 | 64 (stronger) |
| Earnings | 0 | 63 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 74 | 94 (stronger) |
| Peer percentile | 4th | 54th |
| Total assets | $23.9M | $34.7M |
| Deposits / shares | $22.0M | $30.3M |
| Capital ratio | 7.92% | 12.51% (stronger) |
| Problem loans | 1.27% | 1.08% (stronger) |
| Net charge-offs | 0.13% | -0.08% (stronger) |
| Return on assets | -1.84% | 1.07% (stronger) |
| Loans ÷ deposits | 90.3% | 42.2% (stronger) |
| Uninsured deposits | 4.8% | 1.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ed-Med Federal Credit Union has the higher TellerScore (76 vs 41). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Hammond leads on 0 and Ed-Med Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.