Side-by-side · Q2 2026 data
The Citizens State Bank vs Quantum Credit Union
Metric by metric
| Measure | The Citizens State Bank | Quantum Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 74 |
| Capital cushion | 94 (stronger) | 64 |
| Loan quality | 100 (stronger) | 87 |
| Earnings | 88 (stronger) | 64 |
| Funding & liquidity | 92 (stronger) | 72 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 99th | 63rd |
| Total assets | $450.6M | $143.0M |
| Deposits / shares | $382.3M | $124.7M |
| Capital ratio | 14.45% (stronger) | 11.39% |
| Problem loans | 0.01% (stronger) | 0.40% |
| Net charge-offs | 0.00% (stronger) | 0.30% |
| Return on assets | 1.69% (stronger) | 1.11% |
| Loans ÷ deposits | 57.8% (stronger) | 88.4% |
| Uninsured deposits | 22.5% | 4.9% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | 18.4% |
The Citizens State Bank has the higher TellerScore (95 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank leads on 6 and Quantum Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.