Side-by-side · Q2 2026 data
Aspire Community Federal Credit Union vs Railway Credit Union
Credit union
Aspire Community Federal Credit Union
Minot, North Dakota · $100 million – $1 billion
Metric by metric
| Measure | Aspire Community Federal Credit Union | Railway Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 71 |
| Loan quality | 86 (stronger) | 83 |
| Earnings | 83 (stronger) | 55 |
| Funding & liquidity | 63 | 76 (stronger) |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 91st | 63rd |
| Total assets | $181.6M | $211.6M |
| Deposits / shares | $154.9M | $184.4M |
| Capital ratio | 15.59% (stronger) | 12.12% |
| Problem loans | 0.41% (stronger) | 0.50% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.57% (stronger) | 0.89% |
| Loans ÷ deposits | 97.5% | 83.8% (stronger) |
| Uninsured deposits | 10.8% | 6.3% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
Aspire Community Federal Credit Union has the higher TellerScore (87 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Aspire Community Federal Credit Union leads on 4 and Railway Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.