Side-by-side · Q2 2026 data
The First State Bank vs Citizens Federal Credit Union
Metric by metric
| Measure | The First State Bank | Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 90 (stronger) |
| Capital cushion | 85 | 96 (stronger) |
| Loan quality | 29 | 96 (stronger) |
| Earnings | 88 (stronger) | 87 |
| Funding & liquidity | 63 | 66 (stronger) |
| Problem-loan coverage | 78 | 98 (stronger) |
| Peer percentile | 37th | 95th |
| Total assets | $121.4M | $201.9M |
| Deposits / shares | $96.4M | $173.8M |
| Capital ratio | 13.46% | 14.60% (stronger) |
| Problem loans | 2.13% | 0.13% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.39% |
| Return on assets | 1.70% (stronger) | 1.68% |
| Loans ÷ deposits | 90.4% | 77.2% (stronger) |
| Uninsured deposits | 21.0% (stronger) | 30.3% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Federal Credit Union has the higher TellerScore (90 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank leads on 3 and Citizens Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.