Side-by-side · Q2 2026 data
Rails West Federal Credit Union vs St Joe Valley Credit Union
Metric by metric
| Measure | Rails West Federal Credit Union | St Joe Valley Credit Union |
|---|---|---|
| TellerScore | 77 | 80 (stronger) |
| Capital cushion | 62 | 66 (stronger) |
| Loan quality | 91 (stronger) | 80 |
| Earnings | 57 | 78 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 57th | 65th |
| Total assets | $80.6M | $14.0M |
| Deposits / shares | $70.2M | $12.3M |
| Capital ratio | 11.17% | 11.62% (stronger) |
| Problem loans | 0.26% (stronger) | 0.59% |
| Net charge-offs | 0.17% (stronger) | 0.21% |
| Return on assets | 0.93% | 1.45% (stronger) |
| Loans ÷ deposits | 55.9% | 54.3% (stronger) |
| Uninsured deposits | 4.1% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.5% | — |
St Joe Valley Credit Union has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Rails West Federal Credit Union leads on 2 and St Joe Valley Credit Union on 5. 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.