Side-by-side · Q2 2026 data
Western Bank vs Citizens Federal Credit Union
Metric by metric
| Measure | Western Bank | Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 90 (stronger) |
| Capital cushion | 48 | 96 (stronger) |
| Loan quality | 90 | 96 (stronger) |
| Earnings | 94 (stronger) | 87 |
| Funding & liquidity | 48 | 66 (stronger) |
| Problem-loan coverage | 80 | 98 (stronger) |
| Peer percentile | 47th | 95th |
| Total assets | $947.2M | $201.9M |
| Deposits / shares | $796.9M | $173.8M |
| Capital ratio | 9.77% | 14.60% (stronger) |
| Problem loans | 0.31% | 0.13% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.39% |
| Return on assets | 1.84% (stronger) | 1.68% |
| Loans ÷ deposits | 95.8% | 77.2% (stronger) |
| Uninsured deposits | 29.7% (stronger) | 30.3% |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | — |
Citizens Federal Credit Union has the higher TellerScore (90 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Western 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.