Side-by-side · Q2 2026 data
East Alabama Community Federal Credit Union vs Railway Employees Credit Union
Credit union
East Alabama Community Federal Credit Union
Opelika, Alabama · Under $100 million in assets
Credit union
Railway Employees Credit Union
Muscle Shoals, Alabama · Under $100 million in assets
Metric by metric
| Measure | East Alabama Community Federal Credit Union | Railway Employees Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 82 |
| Capital cushion | 92 | 100 (stronger) |
| Loan quality | 100 (stronger) | 68 |
| Earnings | 34 | 51 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 75th | 70th |
| Total assets | $20.8M | $21.1M |
| Deposits / shares | $17.8M | $16.7M |
| Capital ratio | 14.19% | 22.01% (stronger) |
| Problem loans | 0.00% (stronger) | 0.97% |
| Net charge-offs | 0.07% (stronger) | 0.33% |
| Return on assets | 0.36% | 0.78% (stronger) |
| Loans ÷ deposits | 33.4% (stronger) | 33.6% |
| Uninsured deposits | 2.0% (stronger) | 12.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
East Alabama Community Federal Credit Union has the higher TellerScore (84 vs 82). On the 7 directional measures above (where higher or lower is clearly better), East Alabama Community Federal Credit Union leads on 5 and Railway Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.