Side-by-side · Q2 2026 data
R.I.A. Federal Credit Union vs Financial Plus Credit Union
Metric by metric
| Measure | R.I.A. Federal Credit Union | Financial Plus Credit Union |
|---|---|---|
| TellerScore | 62 | 84 (stronger) |
| Capital cushion | 49 | 82 (stronger) |
| Loan quality | 77 | 85 (stronger) |
| Earnings | 34 | 79 (stronger) |
| Funding & liquidity | 86 (stronger) | 84 |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 26th | 86th |
| Total assets | $749.1M | $607.4M |
| Deposits / shares | $692.1M | $520.6M |
| Capital ratio | 9.89% | 13.24% (stronger) |
| Problem loans | 0.70% | 0.45% (stronger) |
| Net charge-offs | 0.75% | 0.38% (stronger) |
| Return on assets | 0.36% | 1.48% (stronger) |
| Loans ÷ deposits | 74.1% (stronger) | 76.0% |
| Uninsured deposits | 5.3% (stronger) | 6.4% |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.1% | — |
Financial Plus Credit Union has the higher TellerScore (84 vs 62). On the 7 directional measures above (where higher or lower is clearly better), R.I.A. Federal Credit Union leads on 2 and Financial Plus Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.