Side-by-side · Q2 2026 data
The Citizens National Bank of Hillsboro vs First Central Credit Union
Metric by metric
| Measure | The Citizens National Bank of Hillsboro | First Central Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 76 |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 91 (stronger) | 35 |
| Earnings | 68 | 68 |
| Funding & liquidity | 89 | 99 (stronger) |
| Problem-loan coverage | 98 (stronger) | 85 |
| Peer percentile | 82nd | 68th |
| Total assets | $224.4M | $191.7M |
| Deposits / shares | $206.9M | $160.2M |
| Capital ratio | 12.53% | 16.35% (stronger) |
| Problem loans | 0.28% (stronger) | 1.95% |
| Net charge-offs | -0.01% (stronger) | 0.75% |
| Return on assets | 1.21% (stronger) | 1.19% |
| Loans ÷ deposits | 30.2% (stronger) | 61.3% |
| Uninsured deposits | 25.3% | 5.1% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.0% |
The Citizens National Bank of Hillsboro has the higher TellerScore (82 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Hillsboro leads on 5 and First Central Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hillsboro, TX