Side-by-side · Q2 2026 data
Railway Employees Credit Union vs TVA Community Credit Union
Credit union
Railway Employees Credit Union
Muscle Shoals, Alabama · Under $100 million in assets
Metric by metric
| Measure | Railway Employees Credit Union | TVA Community Credit Union |
|---|---|---|
| TellerScore | 82 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 68 | 89 (stronger) |
| Earnings | 51 | 63 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 70th | 95th |
| Total assets | $21.1M | $429.0M |
| Deposits / shares | $16.7M | $373.4M |
| Capital ratio | 22.01% (stronger) | 18.38% |
| Problem loans | 0.97% | 0.32% (stronger) |
| Net charge-offs | 0.33% (stronger) | 0.33% |
| Return on assets | 0.78% | 1.08% (stronger) |
| Loans ÷ deposits | 33.6% (stronger) | 46.3% |
| Uninsured deposits | 12.1% | 5.1% (stronger) |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.7% |
TVA Community 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 3 and TVA Community Credit Union on 4. 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.