Side-by-side · Q2 2026 data
The Citizens State Bank vs Sunflower Federal Credit Union
Metric by metric
| Measure | The Citizens State Bank | Sunflower Federal Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 35 |
| Capital cushion | 94 (stronger) | 82 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 88 (stronger) | 0 |
| Funding & liquidity | 92 (stronger) | 67 |
| Problem-loan coverage | 100 (stronger) | 0 |
| Peer percentile | 99th | 2nd |
| Total assets | $450.6M | $322K |
| Deposits / shares | $382.3M | $279K |
| Capital ratio | 14.45% (stronger) | 13.21% |
| Problem loans | 0.01% (stronger) | 11.13% |
| Net charge-offs | 0.00% | -1.62% (stronger) |
| Return on assets | 1.69% (stronger) | -1.80% |
| Loans ÷ deposits | 57.8% (stronger) | 93.6% |
| 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 35). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank leads on 5 and Sunflower Federal Credit Union on 2. 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.