Side-by-side · Q2 2026 data
River City Bank, Inc. vs Transcend Credit Union
Metric by metric
| Measure | River City Bank, Inc. | Transcend Credit Union |
|---|---|---|
| TellerScore | 74 | 83 (stronger) |
| Capital cushion | 67 | 84 (stronger) |
| Loan quality | 88 | 96 (stronger) |
| Earnings | 61 | 68 (stronger) |
| Funding & liquidity | 68 | 69 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 57th | 83rd |
| Total assets | $494.9M | $588.3M |
| Deposits / shares | $438.3M | $473.2M |
| Capital ratio | 11.72% | 13.37% (stronger) |
| Problem loans | 0.36% | 0.13% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.18% |
| Return on assets | 1.02% | 1.19% (stronger) |
| Loans ÷ deposits | 85.2% (stronger) | 91.0% |
| Uninsured deposits | 21.9% | 9.8% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | — |
Transcend Credit Union has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), River City Bank, Inc. leads on 2 and Transcend Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.