Side-by-side · Q2 2026 data
Rocket City Federal Credit Union vs Railroad Credit Union
Credit union
Rocket City Federal Credit Union
Huntsville, Alabama · Under $100 million in assets
Metric by metric
| Measure | Rocket City Federal Credit Union | Railroad Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 87 |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 94 | 98 (stronger) |
| Earnings | 78 (stronger) | 46 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 95th | 91st |
| Total assets | $69.1M | $100.6M |
| Deposits / shares | $57.4M | $86.7M |
| Capital ratio | 17.25% (stronger) | 14.40% |
| Problem loans | 0.17% | 0.07% (stronger) |
| Net charge-offs | 0.21% (stronger) | 0.89% |
| Return on assets | 1.45% (stronger) | 0.65% |
| Loans ÷ deposits | 52.6% | 13.0% (stronger) |
| Uninsured deposits | 1.9% (stronger) | 2.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Rocket City Federal Credit Union has the higher TellerScore (94 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Rocket City Federal Credit Union leads on 5 and Railroad Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.