Side-by-side · Q2 2026 data
Refugio County Federal Credit Union vs Rally Credit Union
Credit union
Refugio County Federal Credit Union
Refugio, Texas · Under $100 million in assets
Metric by metric
| Measure | Refugio County Federal Credit Union | Rally Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 90 |
| Loan quality | 86 (stronger) | 75 |
| Earnings | 53 | 66 (stronger) |
| Funding & liquidity | 100 (stronger) | 54 |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 83rd | 79th |
| Total assets | $14.2M | $4.8B |
| Deposits / shares | $11.9M | $4.0B |
| Capital ratio | 16.36% (stronger) | 14.02% |
| Problem loans | 0.42% (stronger) | 0.75% |
| Net charge-offs | 0.00% (stronger) | 1.01% |
| Return on assets | 0.81% | 1.16% (stronger) |
| Loans ÷ deposits | 41.0% (stronger) | 105.0% |
| Uninsured deposits | 0.0% (stronger) | 15.7% |
| Offices | 1 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 49.8% |
Refugio County Federal Credit Union has the higher TellerScore (87 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Refugio County Federal Credit Union leads on 6 and Rally Credit Union on 1. 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.