Side-by-side · Q2 2026 data
CommerceOne Bank vs Railroad Credit Union
Metric by metric
| Measure | CommerceOne Bank | Railroad Credit Union |
|---|---|---|
| TellerScore | 56 | 87 (stronger) |
| Capital cushion | 40 | 94 (stronger) |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 14 | 46 (stronger) |
| Funding & liquidity | 39 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 15th | 91st |
| Total assets | $1.1B | $100.6M |
| Deposits / shares | $970.2M | $86.7M |
| Capital ratio | 9.01% | 14.40% (stronger) |
| Problem loans | 0.00% (stronger) | 0.07% |
| Net charge-offs | 3.54% | 0.89% (stronger) |
| Return on assets | -0.16% | 0.65% (stronger) |
| Loans ÷ deposits | 70.8% | 13.0% (stronger) |
| Uninsured deposits | 62.0% | 2.1% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Railroad Credit Union has the higher TellerScore (87 vs 56). On the 7 directional measures above (where higher or lower is clearly better), CommerceOne Bank leads on 1 and Railroad Credit Union on 6. 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.