Side-by-side · Q2 2026 data
Kirtland Federal Credit Union vs Railroad Employees Credit Union
Metric by metric
| Measure | Kirtland Federal Credit Union | Railroad Employees Credit Union |
|---|---|---|
| TellerScore | 71 | 74 (stronger) |
| Capital cushion | 74 (stronger) | 58 |
| Loan quality | 74 | 83 (stronger) |
| Earnings | 42 | 66 (stronger) |
| Funding & liquidity | 85 | 90 (stronger) |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 62nd | 49th |
| Total assets | $1.1B | $79.9M |
| Deposits / shares | $962.2M | $70.5M |
| Capital ratio | 12.40% (stronger) | 10.79% |
| Problem loans | 0.79% | 0.51% (stronger) |
| Net charge-offs | 0.97% | 0.40% (stronger) |
| Return on assets | 0.54% | 1.15% (stronger) |
| Loans ÷ deposits | 75.3% | 70.1% (stronger) |
| Uninsured deposits | 6.7% | 3.2% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.2% | — |
Railroad Employees Credit Union has the higher TellerScore (74 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Kirtland Federal Credit Union leads on 1 and Railroad Employees Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.