Side-by-side · Q2 2026 data
Tri State Rail Federal Credit Union vs Erie Firefighters Federal Credit Union
Credit union
Tri State Rail Federal Credit Union
Erie, Pennsylvania · Under $100 million in assets
Credit union
Erie Firefighters Federal Credit Union
Erie, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Tri State Rail Federal Credit Union | Erie Firefighters Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 85 (stronger) |
| Capital cushion | 100 (stronger) | 89 |
| Loan quality | 83 | 90 (stronger) |
| Earnings | 40 | 55 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 75th | 77th |
| Total assets | $19.9M | $10.0M |
| Deposits / shares | $15.9M | $8.6M |
| Capital ratio | 19.98% (stronger) | 13.94% |
| Problem loans | 0.50% | 0.31% (stronger) |
| Net charge-offs | -0.17% (stronger) | 0.00% |
| Return on assets | 0.50% | 0.88% (stronger) |
| Loans ÷ deposits | 38.9% | 29.2% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 1.1% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Erie Firefighters Federal Credit Union has the higher TellerScore (85 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Tri State Rail Federal Credit Union leads on 3 and Erie Firefighters Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.