Citigroup's (NYSE:C) earnings missed big this quarter, and investors were very disappointed. While it was one of the few banks that did actually move against the trend of compressing net interest margins to raise its NIM year over year, that margin is still lower than most other banks. In this video, Motley Fool financial analyst Matt Koppenheffer tells us that he sees the bank in an identity crisis right now, with both the bank, and its new CEO Mike Corbat, really needing to work on a clearer focus for what they want for Citigroup's future.

Fool contributor Matt Koppenheffer has no position in any stocks mentioned. The Motley Fool owns shares of Citigroup Inc . Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.