Side-by-side · Q2 2026 data
Tri State Rail Federal Credit Union vs Cal-Ed Federal Credit Union
Credit union
Tri State Rail Federal Credit Union
Erie, Pennsylvania · Under $100 million in assets
Credit union
Cal-Ed Federal Credit Union
California, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Tri State Rail Federal Credit Union | Cal-Ed Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 55 |
| Capital cushion | 100 (stronger) | 91 |
| Loan quality | 83 (stronger) | 0 |
| Earnings | 40 (stronger) | 19 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 88 |
| Peer percentile | 75th | 15th |
| Total assets | $19.9M | $19.2M |
| Deposits / shares | $15.9M | $16.4M |
| Capital ratio | 19.98% (stronger) | 14.11% |
| Problem loans | 0.50% (stronger) | 3.50% |
| Net charge-offs | -0.17% (stronger) | 0.21% |
| Return on assets | 0.50% (stronger) | -0.03% |
| Loans ÷ deposits | 38.9% | 28.1% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 3.6% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tri State Rail Federal Credit Union has the higher TellerScore (84 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Tri State Rail Federal Credit Union leads on 6 and Cal-Ed Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.