Side-by-side · Q2 2026 data
First Watch Federal Credit Union vs Rockdale Federal Credit Union
Metric by metric
| Measure | First Watch Federal Credit Union | Rockdale Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 85 (stronger) |
| Capital cushion | 43 | 67 (stronger) |
| Loan quality | 99 (stronger) | 97 |
| Earnings | 28 | 77 (stronger) |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 37th | 87th |
| Total assets | $104.7M | $108.2M |
| Deposits / shares | $94.7M | $96.9M |
| Capital ratio | 9.33% | 11.65% (stronger) |
| Problem loans | 0.03% (stronger) | 0.08% |
| Net charge-offs | 0.14% | 0.01% (stronger) |
| Return on assets | 0.19% | 1.42% (stronger) |
| Loans ÷ deposits | 73.0% | 56.5% (stronger) |
| Uninsured deposits | 6.4% | 4.1% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.8% | — |
Rockdale Federal Credit Union has the higher TellerScore (85 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First Watch Federal Credit Union leads on 1 and Rockdale Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.