Side-by-side · Q2 2026 data
Railway Credit Union vs Western Cooperative
Metric by metric
| Measure | Railway Credit Union | Western Cooperative |
|---|---|---|
| TellerScore | 74 (stronger) | 64 |
| Capital cushion | 71 | 92 (stronger) |
| Loan quality | 83 (stronger) | 0 |
| Earnings | 55 | 71 (stronger) |
| Funding & liquidity | 76 | 95 (stronger) |
| Problem-loan coverage | 92 (stronger) | 80 |
| Peer percentile | 63rd | 31st |
| Total assets | $211.6M | $522.2M |
| Deposits / shares | $184.4M | $452.5M |
| Capital ratio | 12.12% | 14.20% (stronger) |
| Problem loans | 0.50% (stronger) | 3.17% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 0.89% | 1.27% (stronger) |
| Loans ÷ deposits | 83.8% | 52.6% (stronger) |
| Uninsured deposits | 6.3% (stronger) | 19.6% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Railway Credit Union has the higher TellerScore (74 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Railway Credit Union leads on 4 and Western Cooperative on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.