Side-by-side · Q2 2026 data
Railway Employees Credit Union vs Lauderdale County Teachers Credit Union
Credit union
Railway Employees Credit Union
Muscle Shoals, Alabama · Under $100 million in assets
Credit union
Lauderdale County Teachers Credit Union
Florence, Alabama · Under $100 million in assets
Metric by metric
| Measure | Railway Employees Credit Union | Lauderdale County Teachers Credit Union |
|---|---|---|
| TellerScore | 82 | 90 (stronger) |
| Capital cushion | 100 (stronger) | 78 |
| Loan quality | 68 | 100 (stronger) |
| Earnings | 51 | 83 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 70th | 89th |
| Total assets | $21.1M | $38.5M |
| Deposits / shares | $16.7M | $33.3M |
| Capital ratio | 22.01% (stronger) | 12.80% |
| Problem loans | 0.97% | 0.00% (stronger) |
| Net charge-offs | 0.33% | 0.04% (stronger) |
| Return on assets | 0.78% | 1.57% (stronger) |
| Loans ÷ deposits | 33.6% (stronger) | 37.3% |
| Uninsured deposits | 12.1% | 2.9% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lauderdale County Teachers Credit Union has the higher TellerScore (90 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Railway Employees Credit Union leads on 2 and Lauderdale County Teachers Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.