Side-by-side · Q2 2026 data
The Merchants & Citizens Bank vs Robins Financial Credit Union
Credit union
Robins Financial Credit Union
Warner Robins, Georgia · $1 billion – $10 billion
Metric by metric
| Measure | The Merchants & Citizens Bank | Robins Financial Credit Union |
|---|---|---|
| TellerScore | 79 | 94 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 88 (stronger) | 87 |
| Earnings | 51 | 97 (stronger) |
| Funding & liquidity | 83 | 90 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 75th | 99th |
| Total assets | $146.0M | $5.0B |
| Deposits / shares | $128.7M | $4.1B |
| Capital ratio | 13.24% | 17.61% (stronger) |
| Problem loans | 0.36% (stronger) | 0.40% |
| Net charge-offs | 0.16% (stronger) | 0.42% |
| Return on assets | 0.77% | 1.91% (stronger) |
| Loans ÷ deposits | 40.4% (stronger) | 70.6% |
| Uninsured deposits | 31.0% | 7.2% (stronger) |
| Offices | 1 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Robins Financial Credit Union has the higher TellerScore (94 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The Merchants & Citizens Bank leads on 3 and Robins Financial Credit Union on 4. 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.