Side-by-side · Q2 2026 data
Route 31 Federal Credit Union vs Gerber Federal Credit Union
Metric by metric
| Measure | Route 31 Federal Credit Union | Gerber Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 67 |
| Capital cushion | 82 (stronger) | 52 |
| Loan quality | 86 (stronger) | 70 |
| Earnings | 48 | 50 (stronger) |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 76th | 41st |
| Total assets | $104.6M | $259.5M |
| Deposits / shares | $89.7M | $233.0M |
| Capital ratio | 13.21% (stronger) | 10.19% |
| Problem loans | 0.41% (stronger) | 0.89% |
| Net charge-offs | 0.40% (stronger) | 0.54% |
| Return on assets | 0.70% | 0.74% (stronger) |
| Loans ÷ deposits | 68.8% | 60.5% (stronger) |
| Uninsured deposits | 5.8% | 2.5% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.4% | 16.2% |
Route 31 Federal Credit Union has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Route 31 Federal Credit Union leads on 4 and Gerber Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.