Side-by-side · Q2 2026 data
Four Seasons Federal Credit Union vs Railroad Credit Union
Metric by metric
| Measure | Four Seasons Federal Credit Union | Railroad Credit Union |
|---|---|---|
| TellerScore | 58 | 87 (stronger) |
| Capital cushion | 36 | 94 (stronger) |
| Loan quality | 49 | 98 (stronger) |
| Earnings | 63 (stronger) | 46 |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 79 | 100 (stronger) |
| Peer percentile | 16th | 91st |
| Total assets | $103.7M | $100.6M |
| Deposits / shares | $93.2M | $86.7M |
| Capital ratio | 8.64% | 14.40% (stronger) |
| Problem loans | 1.53% | 0.07% (stronger) |
| Net charge-offs | 1.39% | 0.89% (stronger) |
| Return on assets | 1.08% (stronger) | 0.65% |
| Loans ÷ deposits | 64.6% | 13.0% (stronger) |
| Uninsured deposits | 9.4% | 2.1% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Railroad Credit Union has the higher TellerScore (87 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Four Seasons Federal Credit Union leads on 1 and Railroad Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.