Side-by-side · Q2 2026 data
United Citizens Bank & Trust Company vs Clifty Creek Employees Federal Credit Union
Credit union
Clifty Creek Employees Federal Credit Union
Madison, Indiana · Under $100 million in assets
Metric by metric
| Measure | United Citizens Bank & Trust Company | Clifty Creek Employees Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 79 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 41 | 100 (stronger) |
| Earnings | 62 (stronger) | 0 |
| Funding & liquidity | 71 | 91 (stronger) |
| Problem-loan coverage | 72 | 100 (stronger) |
| Peer percentile | 13th | 62nd |
| Total assets | $219.3M | $16.3M |
| Deposits / shares | $197.5M | $13.5M |
| Capital ratio | 10.02% | 16.95% (stronger) |
| Problem loans | 1.78% | 0.00% (stronger) |
| Net charge-offs | 0.03% | -0.35% (stronger) |
| Return on assets | 1.05% (stronger) | -0.92% |
| Loans ÷ deposits | 89.1% | 69.1% (stronger) |
| Uninsured deposits | 12.6% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Clifty Creek Employees Federal Credit Union has the higher TellerScore (79 vs 56). On the 7 directional measures above (where higher or lower is clearly better), United Citizens Bank & Trust Company leads on 1 and Clifty Creek Employees Federal Credit Union on 6. 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.