Side-by-side · Q2 2026 data
Richland Federal Credit Union vs Lincoln County Credit Union
Metric by metric
| Measure | Richland Federal Credit Union | Lincoln County Credit Union |
|---|---|---|
| TellerScore | 92 | 98 (stronger) |
| Capital cushion | 99 | 100 (stronger) |
| Loan quality | 95 (stronger) | 93 |
| Earnings | 70 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 97th | 100th |
| Total assets | $118.9M | $186.6M |
| Deposits / shares | $101.1M | $146.2M |
| Capital ratio | 14.92% | 21.61% (stronger) |
| Problem loans | 0.14% (stronger) | 0.22% |
| Net charge-offs | 0.09% (stronger) | 0.11% |
| Return on assets | 1.24% | 2.11% (stronger) |
| Loans ÷ deposits | 43.5% | 42.1% (stronger) |
| Uninsured deposits | 7.5% | 5.9% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lincoln County Credit Union has the higher TellerScore (98 vs 92). On the 7 directional measures above (where higher or lower is clearly better), Richland Federal Credit Union leads on 2 and Lincoln County Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.