Side-by-side · Q2 2026 data
Railroad Employees Credit Union vs Loco Credit Union
Metric by metric
| Measure | Railroad Employees Credit Union | Loco Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 46 |
| Capital cushion | 58 | 80 (stronger) |
| Loan quality | 83 (stronger) | 0 |
| Earnings | 66 (stronger) | 4 |
| Funding & liquidity | 90 | 92 (stronger) |
| Problem-loan coverage | 94 (stronger) | 78 |
| Peer percentile | 49th | 6th |
| Total assets | $79.9M | $60.8M |
| Deposits / shares | $70.5M | $52.3M |
| Capital ratio | 10.79% | 12.95% (stronger) |
| Problem loans | 0.51% (stronger) | 3.20% |
| Net charge-offs | 0.40% (stronger) | 1.80% |
| Return on assets | 1.15% (stronger) | -0.40% |
| Loans ÷ deposits | 70.1% | 46.1% (stronger) |
| Uninsured deposits | 3.2% (stronger) | 22.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Railroad Employees Credit Union has the higher TellerScore (74 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Railroad Employees Credit Union leads on 5 and Loco Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.