Side-by-side · Q2 2026 data
Kirkwood Bank & Trust Co. vs Railway Credit Union
Metric by metric
| Measure | Kirkwood Bank & Trust Co. | Railway Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 74 |
| Capital cushion | 49 | 71 (stronger) |
| Loan quality | 100 (stronger) | 83 |
| Earnings | 90 (stronger) | 55 |
| Funding & liquidity | 82 (stronger) | 76 |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 77th | 63rd |
| Total assets | $351.3M | $211.6M |
| Deposits / shares | $312.6M | $184.4M |
| Capital ratio | 9.91% | 12.12% (stronger) |
| Problem loans | 0.00% (stronger) | 0.50% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.75% (stronger) | 0.89% |
| Loans ÷ deposits | 71.1% (stronger) | 83.8% |
| Uninsured deposits | 21.9% | 6.3% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | — |
Kirkwood Bank & Trust Co. has the higher TellerScore (80 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Kirkwood Bank & Trust Co. leads on 5 and Railway Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.