Side-by-side · Q2 2026 data
River City Bank vs Beka Federal Credit Union
Metric by metric
| Measure | River City Bank | Beka Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 63 |
| Capital cushion | 51 | 80 (stronger) |
| Loan quality | 100 (stronger) | 71 |
| Earnings | 89 (stronger) | 0 |
| Funding & liquidity | 60 | 81 (stronger) |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 68th | 26th |
| Total assets | $423.4M | $4.6M |
| Deposits / shares | $380.9M | $4.0M |
| Capital ratio | 10.15% | 12.97% (stronger) |
| Problem loans | 0.00% (stronger) | 0.86% |
| Net charge-offs | -0.02% (stronger) | 2.55% |
| Return on assets | 1.71% (stronger) | -0.65% |
| Loans ÷ deposits | 86.2% | 79.7% (stronger) |
| Uninsured deposits | 27.7% | 1.4% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.1% | — |
River City Bank has the higher TellerScore (77 vs 63). On the 7 directional measures above (where higher or lower is clearly better), River City Bank leads on 4 and Beka Federal Credit Union on 3. 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.