Side-by-side · Q2 2026 data
Roswell Community Federal Credit Union vs Railroad Employees Credit Union
Credit union
Roswell Community Federal Credit Union
Roswell, New Mexico · Under $100 million in assets
Metric by metric
| Measure | Roswell Community Federal Credit Union | Railroad Employees Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 54 | 83 (stronger) |
| Earnings | 100 (stronger) | 66 |
| Funding & liquidity | 73 | 90 (stronger) |
| Problem-loan coverage | 89 | 94 (stronger) |
| Peer percentile | 72nd | 49th |
| Total assets | $50.3M | $79.9M |
| Deposits / shares | $39.9M | $70.5M |
| Capital ratio | 16.82% (stronger) | 10.79% |
| Problem loans | 1.39% | 0.51% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.40% |
| Return on assets | 2.59% (stronger) | 1.15% |
| Loans ÷ deposits | 87.1% | 70.1% (stronger) |
| Uninsured deposits | 13.4% | 3.2% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Roswell Community Federal Credit Union has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Roswell Community Federal Credit Union leads on 4 and Railroad Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.