Side-by-side · Q2 2026 data
Bragg Mutual Federal Credit Union vs R T P Federal Credit Union
Credit union
Bragg Mutual Federal Credit Union
Fayetteville, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Bragg Mutual Federal Credit Union | R T P Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 58 (stronger) |
| Capital cushion | 33 (stronger) | 31 |
| Loan quality | 72 | 72 |
| Earnings | 30 | 32 (stronger) |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 73 | 88 (stronger) |
| Peer percentile | 10th | 16th |
| Total assets | $131.1M | $142.2M |
| Deposits / shares | $118.9M | $130.0M |
| Capital ratio | 8.26% (stronger) | 8.08% |
| Problem loans | 0.85% | 0.85% (stronger) |
| Net charge-offs | 1.30% | 0.52% (stronger) |
| Return on assets | 0.24% | 0.29% (stronger) |
| Loans ÷ deposits | 75.3% | 60.3% (stronger) |
| Uninsured deposits | 9.4% | 2.9% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.7% |
R T P Federal Credit Union has the higher TellerScore (58 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Bragg Mutual Federal Credit Union leads on 1 and R T P Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.