Side-by-side · Q2 2026 data
Acipco Federal Credit Union vs Railroad Credit Union
Metric by metric
| Measure | Acipco Federal Credit Union | Railroad Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 87 |
| Capital cushion | 94 | 94 |
| Loan quality | 93 | 98 (stronger) |
| Earnings | 100 (stronger) | 46 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 98th | 91st |
| Total assets | $221.5M | $100.6M |
| Deposits / shares | $191.3M | $86.7M |
| Capital ratio | 14.37% | 14.40% (stronger) |
| Problem loans | 0.21% | 0.07% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.89% |
| Return on assets | 2.15% (stronger) | 0.65% |
| Loans ÷ deposits | 73.2% | 13.0% (stronger) |
| Uninsured deposits | 3.8% | 2.1% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.2% | — |
Acipco Federal Credit Union has the higher TellerScore (94 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Acipco Federal Credit Union leads on 3 and Railroad Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.