Side-by-side · Q2 2026 data
BNC National Bank vs Railway Credit Union
Metric by metric
| Measure | BNC National Bank | Railway Credit Union |
|---|---|---|
| TellerScore | 71 | 74 (stronger) |
| Capital cushion | 72 (stronger) | 71 |
| Loan quality | 72 | 83 (stronger) |
| Earnings | 65 (stronger) | 55 |
| Funding & liquidity | 62 | 76 (stronger) |
| Problem-loan coverage | 91 | 92 (stronger) |
| Peer percentile | 63rd | 63rd |
| Total assets | $1.0B | $211.6M |
| Deposits / shares | $915.8M | $184.4M |
| Capital ratio | 12.21% (stronger) | 12.12% |
| Problem loans | 0.84% | 0.50% (stronger) |
| Net charge-offs | 0.61% | 0.00% (stronger) |
| Return on assets | 1.14% (stronger) | 0.89% |
| Loans ÷ deposits | 78.8% (stronger) | 83.8% |
| Uninsured deposits | 32.5% | 6.3% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.5% | — |
Railway Credit Union has the higher TellerScore (74 vs 71). On the 7 directional measures above (where higher or lower is clearly better), BNC National Bank leads on 3 and Railway Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.