Side-by-side · Q2 2026 data
Choice Financial Group vs Railway Credit Union
Metric by metric
| Measure | Choice Financial Group | Railway Credit Union |
|---|---|---|
| TellerScore | 73 | 74 (stronger) |
| Capital cushion | 58 | 71 (stronger) |
| Loan quality | 77 | 83 (stronger) |
| Earnings | 72 (stronger) | 55 |
| Funding & liquidity | 86 (stronger) | 76 |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 70th | 63rd |
| Total assets | $6.4B | $211.6M |
| Deposits / shares | $5.1B | $184.4M |
| Capital ratio | 10.84% | 12.12% (stronger) |
| Problem loans | 0.68% | 0.50% (stronger) |
| Net charge-offs | 0.31% | 0.00% (stronger) |
| Return on assets | 1.30% (stronger) | 0.89% |
| Loans ÷ deposits | 62.0% (stronger) | 83.8% |
| Uninsured deposits | 26.5% | 6.3% (stronger) |
| Offices | 18 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | — |
Railway Credit Union has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Choice Financial Group leads on 2 and Railway Credit Union on 5. 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.