Side-by-side · Q2 2026 data
The State Bank vs Citizens Community Credit Union
Metric by metric
| Measure | The State Bank | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 83 | 88 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 100 (stronger) | 76 |
| Earnings | 67 | 87 (stronger) |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 90 | 95 (stronger) |
| Peer percentile | 73rd | 92nd |
| Total assets | $88.4M | $253.6M |
| Deposits / shares | $80.3M | $201.9M |
| Capital ratio | 11.73% | 19.14% (stronger) |
| Problem loans | 0.00% (stronger) | 0.73% |
| Net charge-offs | 0.06% (stronger) | 0.76% |
| Return on assets | 1.18% | 1.69% (stronger) |
| Loans ÷ deposits | 52.1% (stronger) | 81.1% |
| Uninsured deposits | 15.4% | 5.0% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Credit Union has the higher TellerScore (88 vs 83). On the 7 directional measures above (where higher or lower is clearly better), The State Bank leads on 3 and Citizens Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Spirit Lake, IA