Side-by-side · Q2 2026 data
Erie Federal Credit Union vs Tri State Rail Federal Credit Union
Credit union
Tri State Rail Federal Credit Union
Erie, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Erie Federal Credit Union | Tri State Rail Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 84 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 79 | 83 (stronger) |
| Earnings | 65 (stronger) | 40 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 57th | 75th |
| Total assets | $808.0M | $19.9M |
| Deposits / shares | $741.4M | $15.9M |
| Capital ratio | 10.58% | 19.98% (stronger) |
| Problem loans | 0.62% | 0.50% (stronger) |
| Net charge-offs | 0.38% | -0.17% (stronger) |
| Return on assets | 1.13% (stronger) | 0.50% |
| Loans ÷ deposits | 72.9% | 38.9% (stronger) |
| Uninsured deposits | 7.1% | 0.0% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 29.7% | — |
Tri State Rail Federal Credit Union has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Erie Federal Credit Union leads on 1 and Tri State Rail Federal 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.