Side-by-side · Q2 2026 data
Union State Bank vs Railroad Credit Union
Metric by metric
| Measure | Union State Bank | Railroad Credit Union |
|---|---|---|
| TellerScore | 50 | 87 (stronger) |
| Capital cushion | 46 | 94 (stronger) |
| Loan quality | 33 | 98 (stronger) |
| Earnings | 37 | 46 (stronger) |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 65 | 100 (stronger) |
| Peer percentile | 7th | 91st |
| Total assets | $212.5M | $100.6M |
| Deposits / shares | $191.7M | $86.7M |
| Capital ratio | 9.61% | 14.40% (stronger) |
| Problem loans | 2.00% | 0.07% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.89% |
| Return on assets | 0.43% | 0.65% (stronger) |
| Loans ÷ deposits | 51.2% | 13.0% (stronger) |
| Uninsured deposits | 23.0% | 2.1% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Railroad Credit Union has the higher TellerScore (87 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 1 and Railroad Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.