Side-by-side · Q2 2026 data
West Texas National Bank vs Citizens Federal Credit Union
Metric by metric
| Measure | West Texas National Bank | Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 90 (stronger) |
| Capital cushion | 55 | 96 (stronger) |
| Loan quality | 44 | 96 (stronger) |
| Earnings | 84 | 87 (stronger) |
| Funding & liquidity | 50 | 66 (stronger) |
| Problem-loan coverage | 81 | 98 (stronger) |
| Peer percentile | 21st | 95th |
| Total assets | $2.9B | $201.9M |
| Deposits / shares | $2.6B | $173.8M |
| Capital ratio | 10.52% | 14.60% (stronger) |
| Problem loans | 1.67% | 0.13% (stronger) |
| Net charge-offs | 0.86% | 0.39% (stronger) |
| Return on assets | 1.59% | 1.68% (stronger) |
| Loans ÷ deposits | 57.4% (stronger) | 77.2% |
| Uninsured deposits | 64.1% | 30.3% (stronger) |
| Offices | 13 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | — |
Citizens Federal Credit Union has the higher TellerScore (90 vs 60). On the 7 directional measures above (where higher or lower is clearly better), West Texas National Bank leads on 1 and Citizens 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.