Side-by-side · Q2 2026 data
Welcome State Bank vs Citizens Community Credit Union
Metric by metric
| Measure | Welcome State Bank | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 88 |
| Capital cushion | 78 | 100 (stronger) |
| Loan quality | 100 (stronger) | 76 |
| Earnings | 100 (stronger) | 87 |
| Funding & liquidity | 80 (stronger) | 79 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 89th | 92nd |
| Total assets | $44.3M | $253.6M |
| Deposits / shares | $38.1M | $201.9M |
| Capital ratio | 12.81% | 19.14% (stronger) |
| Problem loans | 0.00% (stronger) | 0.73% |
| Net charge-offs | -0.05% (stronger) | 0.76% |
| Return on assets | 2.94% (stronger) | 1.69% |
| Loans ÷ deposits | 79.0% (stronger) | 81.1% |
| Uninsured deposits | 16.1% | 5.0% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Welcome State Bank has the higher TellerScore (90 vs 88). On the 7 directional measures above (where higher or lower is clearly better), Welcome State Bank leads on 5 and Citizens Community Credit Union on 2. 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.