Side-by-side · Q2 2026 data
The Citizens State Bank vs Crossroads Credit Union
Metric by metric
| Measure | The Citizens State Bank | Crossroads Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 67 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 88 (stronger) | 84 |
| Funding & liquidity | 92 (stronger) | 88 |
| Problem-loan coverage | 100 (stronger) | 66 |
| Peer percentile | 99th | 34th |
| Total assets | $450.6M | $12.5M |
| Deposits / shares | $382.3M | $9.8M |
| Capital ratio | 14.45% | 20.81% (stronger) |
| Problem loans | 0.01% (stronger) | 6.32% |
| Net charge-offs | 0.00% | -0.03% (stronger) |
| Return on assets | 1.69% (stronger) | 1.60% |
| Loans ÷ deposits | 57.8% (stronger) | 72.3% |
| Uninsured deposits | 22.5% | 0.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
The Citizens State Bank has the higher TellerScore (95 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank leads on 4 and Crossroads Credit Union on 3. 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.
Where both have branches
- Goessel, KS