Side-by-side · Q2 2026 data
Alabama Central Credit Union vs Railroad Credit Union
Metric by metric
| Measure | Alabama Central Credit Union | Railroad Credit Union |
|---|---|---|
| TellerScore | 69 | 87 (stronger) |
| Capital cushion | 46 | 94 (stronger) |
| Loan quality | 85 | 98 (stronger) |
| Earnings | 58 (stronger) | 46 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 48th | 91st |
| Total assets | $214.0M | $100.6M |
| Deposits / shares | $192.6M | $86.7M |
| Capital ratio | 9.64% | 14.40% (stronger) |
| Problem loans | 0.44% | 0.07% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.89% |
| Return on assets | 0.94% (stronger) | 0.65% |
| Loans ÷ deposits | 73.4% | 13.0% (stronger) |
| Uninsured deposits | 3.8% | 2.1% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Railroad Credit Union has the higher TellerScore (87 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Alabama Central Credit Union leads on 2 and Railroad Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.