Side-by-side · Q2 2026 data
Riegel Federal Credit Union vs Xcel Federal Credit Union
Metric by metric
| Measure | Riegel Federal Credit Union | Xcel Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 61 (stronger) |
| Capital cushion | 54 | 59 (stronger) |
| Loan quality | 41 | 67 (stronger) |
| Earnings | 36 (stronger) | 26 |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 91 (stronger) | 88 |
| Peer percentile | 16th | 24th |
| Total assets | $167.7M | $185.8M |
| Deposits / shares | $149.4M | $167.9M |
| Capital ratio | 10.36% | 10.93% (stronger) |
| Problem loans | 1.77% | 0.99% (stronger) |
| Net charge-offs | 0.38% | 0.32% (stronger) |
| Return on assets | 0.40% (stronger) | 0.14% |
| Loans ÷ deposits | 30.8% (stronger) | 74.9% |
| Uninsured deposits | 5.0% (stronger) | 8.6% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.8% |
Xcel Federal Credit Union has the higher TellerScore (61 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Riegel Federal Credit Union leads on 3 and Xcel Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.