Side-by-side · Q2 2026 data
First Community Credit Union vs Railway Credit Union
Metric by metric
| Measure | First Community Credit Union | Railway Credit Union |
|---|---|---|
| TellerScore | 71 | 74 (stronger) |
| Capital cushion | 73 (stronger) | 71 |
| Loan quality | 80 | 83 (stronger) |
| Earnings | 54 | 55 (stronger) |
| Funding & liquidity | 60 | 76 (stronger) |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 62nd | 63rd |
| Total assets | $1.5B | $211.6M |
| Deposits / shares | $1.1B | $184.4M |
| Capital ratio | 12.34% (stronger) | 12.12% |
| Problem loans | 0.61% | 0.50% (stronger) |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 0.85% | 0.89% (stronger) |
| Loans ÷ deposits | 100.2% | 83.8% (stronger) |
| Uninsured deposits | 9.1% | 6.3% (stronger) |
| Offices | 25 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Railway Credit Union has the higher TellerScore (74 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Community Credit Union leads on 1 and Railway 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.