Side-by-side · Q2 2026 data
Eddy Federal Credit Union vs Railroad Employees Credit Union
Metric by metric
| Measure | Eddy Federal Credit Union | Railroad Employees Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 100 (stronger) | 83 |
| Earnings | 20 | 66 (stronger) |
| Funding & liquidity | 70 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 65th | 49th |
| Total assets | $61.8M | $79.9M |
| Deposits / shares | $50.0M | $70.5M |
| Capital ratio | 18.34% (stronger) | 10.79% |
| Problem loans | 0.00% (stronger) | 0.51% |
| Net charge-offs | 1.30% | 0.40% (stronger) |
| Return on assets | -0.00% | 1.15% (stronger) |
| Loans ÷ deposits | 90.5% | 70.1% (stronger) |
| Uninsured deposits | 6.8% | 3.2% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Eddy Federal Credit Union has the higher TellerScore (80 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Eddy Federal Credit Union leads on 3 and Railroad Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.