Side-by-side · Q2 2026 data
Alloy Federal Credit Union vs Raleigh Co. Educators Federal Credit Union
Credit union
Raleigh Co. Educators Federal Credit Union
Beckley, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Alloy Federal Credit Union | Raleigh Co. Educators Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 97 (stronger) |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 39 | 99 (stronger) |
| Earnings | 55 | 86 (stronger) |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 42nd | 98th |
| Total assets | $29.6M | $21.3M |
| Deposits / shares | $25.2M | $15.5M |
| Capital ratio | 14.73% | 26.34% (stronger) |
| Problem loans | 1.83% | 0.04% (stronger) |
| Net charge-offs | 0.75% | 0.00% (stronger) |
| Return on assets | 0.86% | 1.64% (stronger) |
| Loans ÷ deposits | 75.1% | 60.4% (stronger) |
| Uninsured deposits | 4.8% | 2.5% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Raleigh Co. Educators Federal Credit Union has the higher TellerScore (97 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Alloy Federal Credit Union leads on 0 and Raleigh Co. Educators Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.