Side-by-side · Q2 2026 data
L&n Employees Credit Union vs Railroad Credit Union
Credit union
L&n Employees Credit Union
Birmingham, Alabama · Under $100 million in assets
Metric by metric
| Measure | L&n Employees Credit Union | Railroad Credit Union |
|---|---|---|
| TellerScore | 52 | 87 (stronger) |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 0 | 98 (stronger) |
| Earnings | 0 | 46 (stronger) |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 68 | 100 (stronger) |
| Peer percentile | 11th | 91st |
| Total assets | $8.3M | $100.6M |
| Deposits / shares | $7.0M | $86.7M |
| Capital ratio | 18.19% (stronger) | 14.40% |
| Problem loans | 5.29% | 0.07% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.89% |
| Return on assets | -2.04% | 0.65% (stronger) |
| Loans ÷ deposits | 62.1% | 13.0% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Railroad Credit Union has the higher TellerScore (87 vs 52). On the 7 directional measures above (where higher or lower is clearly better), L&n Employees Credit Union leads on 3 and Railroad Credit Union on 4. 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.