Side-by-side · Q2 2026 data
Health Credit Union vs Railroad Credit Union
Metric by metric
| Measure | Health Credit Union | Railroad Credit Union |
|---|---|---|
| TellerScore | 65 | 87 (stronger) |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 43 | 98 (stronger) |
| Earnings | 25 | 46 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 30th | 91st |
| Total assets | $27.6M | $100.6M |
| Deposits / shares | $21.1M | $86.7M |
| Capital ratio | 22.33% (stronger) | 14.40% |
| Problem loans | 1.72% | 0.07% (stronger) |
| Net charge-offs | 2.04% | 0.89% (stronger) |
| Return on assets | 0.13% | 0.65% (stronger) |
| Loans ÷ deposits | 93.7% | 13.0% (stronger) |
| Uninsured deposits | 2.9% | 2.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Railroad Credit Union has the higher TellerScore (87 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Health 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.