Side-by-side · Q2 2026 data
Financial Security Credit Union vs Railroad Employees Credit Union
Credit union
Financial Security Credit Union
Carlsbad, New Mexico · Under $100 million in assets
Metric by metric
| Measure | Financial Security Credit Union | Railroad Employees Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 77 | 83 (stronger) |
| Earnings | 58 | 66 (stronger) |
| Funding & liquidity | 71 | 90 (stronger) |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 68th | 49th |
| Total assets | $63.6M | $79.9M |
| Deposits / shares | $52.8M | $70.5M |
| Capital ratio | 16.62% (stronger) | 10.79% |
| Problem loans | 0.69% | 0.51% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.40% |
| Return on assets | 0.96% | 1.15% (stronger) |
| Loans ÷ deposits | 88.9% | 70.1% (stronger) |
| Uninsured deposits | 6.4% | 3.2% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Financial Security Credit Union has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Financial Security 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.