Side-by-side · Q2 2026 data
First Metro Bank vs Railway Employees Credit Union
Credit union
Railway Employees Credit Union
Muscle Shoals, Alabama · Under $100 million in assets
Metric by metric
| Measure | First Metro Bank | Railway Employees Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 82 |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 96 (stronger) | 68 |
| Earnings | 85 (stronger) | 51 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 95th | 70th |
| Total assets | $1.0B | $21.1M |
| Deposits / shares | $893.7M | $16.7M |
| Capital ratio | 12.98% | 22.01% (stronger) |
| Problem loans | 0.13% (stronger) | 0.97% |
| Net charge-offs | 0.22% (stronger) | 0.33% |
| Return on assets | 1.62% (stronger) | 0.78% |
| Loans ÷ deposits | 66.4% | 33.6% (stronger) |
| Uninsured deposits | 42.8% | 12.1% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | — |
First Metro Bank has the higher TellerScore (84 vs 82). On the 7 directional measures above (where higher or lower is clearly better), First Metro Bank 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.