Side-by-side · Q2 2026 data
Tri State Rail Federal Credit Union vs Tendto Federal Credit Union
Credit union
Tri State Rail Federal Credit Union
Erie, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Tri State Rail Federal Credit Union | Tendto Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 61 |
| Capital cushion | 100 (stronger) | 33 |
| Loan quality | 83 | 83 |
| Earnings | 40 (stronger) | 31 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 75th | 24th |
| Total assets | $19.9M | $141.3M |
| Deposits / shares | $15.9M | $127.9M |
| Capital ratio | 19.98% (stronger) | 8.31% |
| Problem loans | 0.50% (stronger) | 0.51% |
| Net charge-offs | -0.17% (stronger) | 0.49% |
| Return on assets | 0.50% (stronger) | 0.28% |
| Loans ÷ deposits | 38.9% (stronger) | 58.8% |
| Uninsured deposits | 0.0% (stronger) | 2.5% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tri State Rail Federal Credit Union has the higher TellerScore (84 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Tri State Rail Federal Credit Union leads on 7 and Tendto Federal Credit Union on 0. 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.