Side-by-side · Q2 2026 data
Coosa Pines Federal Credit Union vs Railroad Credit Union
Credit union
Coosa Pines Federal Credit Union
Childersburg, Alabama · $100 million – $1 billion
Metric by metric
| Measure | Coosa Pines Federal Credit Union | Railroad Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 87 |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 71 | 98 (stronger) |
| Earnings | 91 (stronger) | 46 |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 92nd | 91st |
| Total assets | $420.8M | $100.6M |
| Deposits / shares | $356.6M | $86.7M |
| Capital ratio | 16.20% (stronger) | 14.40% |
| Problem loans | 0.87% | 0.07% (stronger) |
| Net charge-offs | 0.70% (stronger) | 0.89% |
| Return on assets | 1.77% (stronger) | 0.65% |
| Loans ÷ deposits | 72.3% | 13.0% (stronger) |
| Uninsured deposits | 7.3% | 2.1% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | — |
Coosa Pines Federal Credit Union has the higher TellerScore (88 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Coosa Pines Federal Credit Union leads on 4 and Railroad Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.