Side-by-side · Q2 2026 data
Alabama Postal Credit Union vs Railroad Credit Union
Credit union
Alabama Postal Credit Union
Birmingham, Alabama · Under $100 million in assets
Metric by metric
| Measure | Alabama Postal Credit Union | Railroad Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 87 |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 91 | 98 (stronger) |
| Earnings | 94 (stronger) | 46 |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 97th | 91st |
| Total assets | $6.4M | $100.6M |
| Deposits / shares | $3.5M | $86.7M |
| Capital ratio | 44.48% (stronger) | 14.40% |
| Problem loans | 0.28% | 0.07% (stronger) |
| Net charge-offs | -0.30% (stronger) | 0.89% |
| Return on assets | 1.85% (stronger) | 0.65% |
| Loans ÷ deposits | 64.0% | 13.0% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alabama Postal Credit Union has the higher TellerScore (96 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Alabama Postal Credit Union leads on 5 and Railroad Credit Union on 2. 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.