Side-by-side · Q2 2026 data
Victory Bank vs Citizens Federal Credit Union
Metric by metric
| Measure | Victory Bank | Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 90 (stronger) |
| Capital cushion | 71 | 96 (stronger) |
| Loan quality | 98 (stronger) | 96 |
| Earnings | 61 | 87 (stronger) |
| Funding & liquidity | 62 | 66 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 68th | 95th |
| Total assets | $284.8M | $201.9M |
| Deposits / shares | $250.0M | $173.8M |
| Capital ratio | 12.11% | 14.60% (stronger) |
| Problem loans | 0.05% (stronger) | 0.13% |
| Net charge-offs | -0.00% (stronger) | 0.39% |
| Return on assets | 1.02% | 1.68% (stronger) |
| Loans ÷ deposits | 62.9% (stronger) | 77.2% |
| Uninsured deposits | 47.0% | 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 77). On the 7 directional measures above (where higher or lower is clearly better), Victory 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.