Side-by-side · Q2 2026 data
Heritage South Credit Union vs Railroad Credit Union
Metric by metric
| Measure | Heritage South Credit Union | Railroad Credit Union |
|---|---|---|
| TellerScore | 63 | 87 (stronger) |
| Capital cushion | 52 | 94 (stronger) |
| Loan quality | 71 | 98 (stronger) |
| Earnings | 47 (stronger) | 46 |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 82 | 100 (stronger) |
| Peer percentile | 29th | 91st |
| Total assets | $183.7M | $100.6M |
| Deposits / shares | $165.8M | $86.7M |
| Capital ratio | 10.18% | 14.40% (stronger) |
| Problem loans | 0.88% | 0.07% (stronger) |
| Net charge-offs | 0.43% (stronger) | 0.89% |
| Return on assets | 0.68% (stronger) | 0.65% |
| Loans ÷ deposits | 79.6% | 13.0% (stronger) |
| Uninsured deposits | 2.8% | 2.1% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.0% | — |
Railroad Credit Union has the higher TellerScore (87 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Heritage South Credit Union leads on 2 and Railroad Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.