Side-by-side · Q2 2026 data
Raleigh Co. Educators Federal Credit Union vs 1st Class Express Credit Union
Credit union
Raleigh Co. Educators Federal Credit Union
Beckley, West Virginia · Under $100 million in assets
Credit union
1st Class Express Credit Union
Waukesha, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Raleigh Co. Educators Federal Credit Union | 1st Class Express Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 99 (stronger) | 90 |
| Earnings | 86 (stronger) | 64 |
| Funding & liquidity | 100 (stronger) | 70 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 98th | 80th |
| Total assets | $21.3M | $2.1M |
| Deposits / shares | $15.5M | $1.6M |
| Capital ratio | 26.34% (stronger) | 22.89% |
| Problem loans | 0.04% (stronger) | 0.30% |
| Net charge-offs | 0.00% | -5.46% (stronger) |
| Return on assets | 1.64% (stronger) | 1.10% |
| Loans ÷ deposits | 60.4% (stronger) | 90.7% |
| Uninsured deposits | 2.5% | 0.0% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Raleigh Co. Educators Federal Credit Union has the higher TellerScore (97 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Raleigh Co. Educators Federal Credit Union leads on 5 and 1st Class Express Credit Union on 2. 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.