Side-by-side · Q2 2026 data
The Citizens National Bank of Park Rapids vs Trustar Federal Credit Union
Bank
The Citizens National Bank of Park Rapids
Park Rapids, Minnesota · $100 million – $1 billion
Credit union
Trustar Federal Credit Union
International F, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | The Citizens National Bank of Park Rapids | Trustar Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 88 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 63 | 88 (stronger) |
| Earnings | 97 (stronger) | 77 |
| Funding & liquidity | 57 | 70 (stronger) |
| Problem-loan coverage | 86 | 96 (stronger) |
| Peer percentile | 50th | 92nd |
| Total assets | $397.0M | $376.7M |
| Deposits / shares | $348.1M | $313.5M |
| Capital ratio | 11.70% | 15.42% (stronger) |
| Problem loans | 1.10% | 0.36% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.07% |
| Return on assets | 1.93% (stronger) | 1.42% |
| Loans ÷ deposits | 88.4% (stronger) | 90.0% |
| Uninsured deposits | 28.3% | 9.2% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Trustar Federal Credit Union has the higher TellerScore (88 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Park Rapids leads on 3 and Trustar Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Park Rapids, MN