Side-by-side · Q2 2026 data
UMB Bank, National Association vs Railroad Employees Credit Union
Metric by metric
| Measure | UMB Bank, National Association | Railroad Employees Credit Union |
|---|---|---|
| TellerScore | 65 | 74 (stronger) |
| Capital cushion | 39 | 58 (stronger) |
| Loan quality | 89 (stronger) | 83 |
| Earnings | 75 (stronger) | 66 |
| Funding & liquidity | 43 | 90 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 54th | 49th |
| Total assets | $71.9B | $79.9M |
| Deposits / shares | $60.2B | $70.5M |
| Capital ratio | 8.89% | 10.79% (stronger) |
| Problem loans | 0.34% (stronger) | 0.51% |
| Net charge-offs | 0.17% (stronger) | 0.40% |
| Return on assets | 1.39% (stronger) | 1.15% |
| Loans ÷ deposits | 67.7% (stronger) | 70.1% |
| Uninsured deposits | 63.6% | 3.2% (stronger) |
| Offices | 189 | 1 |
| CFPB complaints (3 yrs) | 306 | — |
| Complaints per $1B deposits | 5.1 | — |
| Mortgage denial rate (HMDA) | 30.5% | — |
Railroad Employees Credit Union has the higher TellerScore (74 vs 65). On the 7 directional measures above (where higher or lower is clearly better), UMB Bank, National Association leads on 4 and Railroad Employees Credit Union on 3. 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.