Side-by-side · Q2 2026 data
Family Security Credit Union vs Railway Employees Credit Union
Credit union
Railway Employees Credit Union
Muscle Shoals, Alabama · Under $100 million in assets
Metric by metric
| Measure | Family Security Credit Union | Railway Employees Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 82 |
| Capital cushion | 100 | 100 |
| Loan quality | 80 (stronger) | 68 |
| Earnings | 99 (stronger) | 51 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 100th | 70th |
| Total assets | $1.1B | $21.1M |
| Deposits / shares | $876.5M | $16.7M |
| Capital ratio | 19.92% | 22.01% (stronger) |
| Problem loans | 0.61% (stronger) | 0.97% |
| Net charge-offs | 0.55% | 0.33% (stronger) |
| Return on assets | 1.98% (stronger) | 0.78% |
| Loans ÷ deposits | 47.7% | 33.6% (stronger) |
| Uninsured deposits | 2.9% (stronger) | 12.1% |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 37.5% | — |
Family Security Credit Union has the higher TellerScore (95 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Family Security Credit Union leads on 4 and Railway Employees Credit Union on 3. 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.