Side-by-side · Q2 2026 data
R G Federal Credit Union vs Sm Federal Credit Union
Metric by metric
| Measure | R G Federal Credit Union | Sm Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 89 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 81 | 92 (stronger) |
| Earnings | 27 | 70 (stronger) |
| Funding & liquidity | 68 | 81 (stronger) |
| Problem-loan coverage | 87 | 98 (stronger) |
| Peer percentile | 21st | 87th |
| Total assets | $153.6M | $77.2M |
| Deposits / shares | $128.1M | $61.4M |
| Capital ratio | 9.96% | 19.98% (stronger) |
| Problem loans | 0.58% | 0.24% (stronger) |
| Net charge-offs | 0.41% | 0.00% (stronger) |
| Return on assets | 0.18% | 1.24% (stronger) |
| Loans ÷ deposits | 92.5% | 78.9% (stronger) |
| Uninsured deposits | 12.3% | 3.3% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | — |
Sm Federal Credit Union has the higher TellerScore (89 vs 60). On the 7 directional measures above (where higher or lower is clearly better), R G Federal Credit Union leads on 0 and Sm Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.