Side-by-side · Q2 2026 data
Town Bank, National Association vs Raleigh Co. Educators Federal Credit Union
Credit union
Raleigh Co. Educators Federal Credit Union
Beckley, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Town Bank, National Association | Raleigh Co. Educators Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 97 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 93 | 99 (stronger) |
| Earnings | 77 | 86 (stronger) |
| Funding & liquidity | 51 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 58th | 98th |
| Total assets | $4.7B | $21.3M |
| Deposits / shares | $3.8B | $15.5M |
| Capital ratio | 9.75% | 26.34% (stronger) |
| Problem loans | 0.22% | 0.04% (stronger) |
| Net charge-offs | 0.09% | 0.00% (stronger) |
| Return on assets | 1.42% | 1.64% (stronger) |
| Loans ÷ deposits | 91.7% | 60.4% (stronger) |
| Uninsured deposits | 31.0% | 2.5% (stronger) |
| Offices | 24 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | — |
Raleigh Co. Educators Federal Credit Union has the higher TellerScore (97 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Town Bank, National Association leads on 0 and Raleigh Co. Educators Federal Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.