Side-by-side · Q2 2026 data
Tri State Rail Federal Credit Union vs Altoona Area Employees Federal Credit Union
Credit union
Tri State Rail Federal Credit Union
Erie, Pennsylvania · Under $100 million in assets
Credit union
Altoona Area Employees Federal Credit Union
Altoona, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Tri State Rail Federal Credit Union | Altoona Area Employees Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 84 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 83 | 100 (stronger) |
| Earnings | 40 | 73 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 75th | 75th |
| Total assets | $19.9M | $19.4M |
| Deposits / shares | $15.9M | $17.2M |
| Capital ratio | 19.98% (stronger) | 11.50% |
| Problem loans | 0.50% | 0.00% (stronger) |
| Net charge-offs | -0.17% (stronger) | -0.11% |
| Return on assets | 0.50% | 1.32% (stronger) |
| Loans ÷ deposits | 38.9% | 32.3% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 0.8% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Tri State Rail Federal Credit Union leads on 3 and Altoona Area Employees Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.