Side-by-side · Q2 2026 data
Richland Federal Credit Union vs Fergus Federal Credit Union
Metric by metric
| Measure | Richland Federal Credit Union | Fergus Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 87 |
| Capital cushion | 99 (stronger) | 91 |
| Loan quality | 95 (stronger) | 81 |
| Earnings | 70 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 67 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 97th | 91st |
| Total assets | $118.9M | $117.5M |
| Deposits / shares | $101.1M | $100.4M |
| Capital ratio | 14.92% (stronger) | 14.08% |
| Problem loans | 0.14% (stronger) | 0.56% |
| Net charge-offs | 0.09% | -0.02% (stronger) |
| Return on assets | 1.24% | 2.00% (stronger) |
| Loans ÷ deposits | 43.5% (stronger) | 92.8% |
| Uninsured deposits | 7.5% (stronger) | 8.1% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Richland Federal Credit Union has the higher TellerScore (92 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Richland Federal Credit Union leads on 5 and Fergus Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.