Side-by-side · Q2 2026 data
River City Federal Credit Union vs 4u Federal Credit Union
Credit union
River City Federal Credit Union
San Antonio, Texas · $100 million – $1 billion
Metric by metric
| Measure | River City Federal Credit Union | 4u Federal Credit Union |
|---|---|---|
| TellerScore | 44 | 63 (stronger) |
| Capital cushion | 62 (stronger) | 39 |
| Loan quality | 33 | 99 (stronger) |
| Earnings | 0 | 29 (stronger) |
| Funding & liquidity | 69 | 74 (stronger) |
| Problem-loan coverage | 67 | 99 (stronger) |
| Peer percentile | 2nd | 29th |
| Total assets | $147.8M | $156.2M |
| Deposits / shares | $124.6M | $140.6M |
| Capital ratio | 11.17% (stronger) | 8.91% |
| Problem loans | 2.00% | 0.04% (stronger) |
| Net charge-offs | 1.86% | 0.04% (stronger) |
| Return on assets | -1.51% | 0.23% (stronger) |
| Loans ÷ deposits | 91.4% | 86.5% (stronger) |
| Uninsured deposits | 9.6% (stronger) | 12.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
4u Federal Credit Union has the higher TellerScore (63 vs 44). On the 7 directional measures above (where higher or lower is clearly better), River City Federal Credit Union leads on 2 and 4u Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.