Side-by-side · Q2 2026 data
R.I.A. Federal Credit Union vs Service Plus Credit Union
Metric by metric
| Measure | R.I.A. Federal Credit Union | Service Plus Credit Union |
|---|---|---|
| TellerScore | 62 | 81 (stronger) |
| Capital cushion | 49 | 73 (stronger) |
| Loan quality | 77 | 85 (stronger) |
| Earnings | 34 | 65 (stronger) |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 26th | 68th |
| Total assets | $749.1M | $34.7M |
| Deposits / shares | $692.1M | $30.4M |
| Capital ratio | 9.89% | 12.29% (stronger) |
| Problem loans | 0.70% | 0.46% (stronger) |
| Net charge-offs | 0.75% | 0.55% (stronger) |
| Return on assets | 0.36% | 1.12% (stronger) |
| Loans ÷ deposits | 74.1% | 59.5% (stronger) |
| Uninsured deposits | 5.3% | 2.8% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.1% | — |
Service Plus Credit Union has the higher TellerScore (81 vs 62). On the 7 directional measures above (where higher or lower is clearly better), R.I.A. Federal Credit Union leads on 0 and Service Plus 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.