Side-by-side · Q2 2026 data
Nusenda Federal Credit Union vs Railroad Employees Credit Union
Metric by metric
| Measure | Nusenda Federal Credit Union | Railroad Employees Credit Union |
|---|---|---|
| TellerScore | 62 | 74 (stronger) |
| Capital cushion | 42 | 58 (stronger) |
| Loan quality | 74 | 83 (stronger) |
| Earnings | 51 | 66 (stronger) |
| Funding & liquidity | 82 | 90 (stronger) |
| Problem-loan coverage | 87 | 94 (stronger) |
| Peer percentile | 30th | 49th |
| Total assets | $5.0B | $79.9M |
| Deposits / shares | $4.4B | $70.5M |
| Capital ratio | 9.20% | 10.79% (stronger) |
| Problem loans | 0.79% | 0.51% (stronger) |
| Net charge-offs | 0.60% | 0.40% (stronger) |
| Return on assets | 0.76% | 1.15% (stronger) |
| Loans ÷ deposits | 78.3% | 70.1% (stronger) |
| Uninsured deposits | 11.5% | 3.2% (stronger) |
| Offices | 23 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Railroad Employees Credit Union has the higher TellerScore (74 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Nusenda Federal Credit Union leads on 0 and Railroad Employees Credit Union on 7. 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.