Side-by-side · Q2 2026 data
The State National Bank of Big Spring vs Citizens Federal Credit Union
Metric by metric
| Measure | The State National Bank of Big Spring | Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 90 (stronger) |
| Capital cushion | 62 | 96 (stronger) |
| Loan quality | 46 | 96 (stronger) |
| Earnings | 92 (stronger) | 87 |
| Funding & liquidity | 57 | 66 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 34th | 95th |
| Total assets | $640.0M | $201.9M |
| Deposits / shares | $574.9M | $173.8M |
| Capital ratio | 11.19% | 14.60% (stronger) |
| Problem loans | 1.63% | 0.13% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.39% |
| Return on assets | 1.79% (stronger) | 1.68% |
| Loans ÷ deposits | 16.5% (stronger) | 77.2% |
| Uninsured deposits | 54.2% | 30.3% (stronger) |
| 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 67). On the 7 directional measures above (where higher or lower is clearly better), The State National Bank of Big Spring leads on 3 and Citizens Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.