Side-by-side · Q2 2026 data
Railway Employees Credit Union vs Federal Employees Credit Union
Credit union
Railway Employees Credit Union
Muscle Shoals, Alabama · Under $100 million in assets
Metric by metric
| Measure | Railway Employees Credit Union | Federal Employees Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 70 |
| Capital cushion | 100 | 100 |
| Loan quality | 68 (stronger) | 44 |
| Earnings | 51 (stronger) | 26 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 70th | 40th |
| Total assets | $21.1M | $19.7M |
| Deposits / shares | $16.7M | $16.3M |
| Capital ratio | 22.01% (stronger) | 16.62% |
| Problem loans | 0.97% (stronger) | 1.67% |
| Net charge-offs | 0.33% (stronger) | 0.92% |
| Return on assets | 0.78% (stronger) | 0.15% |
| Loans ÷ deposits | 33.6% (stronger) | 59.2% |
| Uninsured deposits | 12.1% | 0.9% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Railway Employees Credit Union has the higher TellerScore (82 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Railway Employees Credit Union leads on 6 and Federal Employees Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.