Side-by-side · Q2 2026 data
First New Mexico Bank of Silver City vs Railroad Employees Credit Union
Bank
First New Mexico Bank of Silver City
Silver City, New Mexico · $100 million – $1 billion
Metric by metric
| Measure | First New Mexico Bank of Silver City | Railroad Employees Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 74 |
| Capital cushion | 93 (stronger) | 58 |
| Loan quality | 95 (stronger) | 83 |
| Earnings | 96 (stronger) | 66 |
| Funding & liquidity | 97 (stronger) | 90 |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 99th | 49th |
| Total assets | $147.5M | $79.9M |
| Deposits / shares | $123.8M | $70.5M |
| Capital ratio | 14.27% (stronger) | 10.79% |
| Problem loans | 0.16% (stronger) | 0.51% |
| Net charge-offs | -0.02% (stronger) | 0.40% |
| Return on assets | 1.91% (stronger) | 1.15% |
| Loans ÷ deposits | 59.1% (stronger) | 70.1% |
| Uninsured deposits | 18.3% | 3.2% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First New Mexico Bank of Silver City has the higher TellerScore (95 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First New Mexico Bank of Silver City leads on 6 and Railroad Employees Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.