Side-by-side · Q2 2026 data
United Business Bank vs Railroad Employees Credit Union
Metric by metric
| Measure | United Business Bank | Railroad Employees Credit Union |
|---|---|---|
| TellerScore | 60 | 74 (stronger) |
| Capital cushion | 67 (stronger) | 58 |
| Loan quality | 84 (stronger) | 83 |
| Earnings | 25 | 66 (stronger) |
| Funding & liquidity | 31 | 90 (stronger) |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 21st | 49th |
| Total assets | $2.6B | $79.9M |
| Deposits / shares | $2.2B | $70.5M |
| Capital ratio | 11.66% (stronger) | 10.79% |
| Problem loans | 0.47% (stronger) | 0.51% |
| Net charge-offs | 0.28% (stronger) | 0.40% |
| Return on assets | 0.12% | 1.15% (stronger) |
| Loans ÷ deposits | 94.4% | 70.1% (stronger) |
| Uninsured deposits | 46.5% | 3.2% (stronger) |
| Offices | 34 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Railroad Employees Credit Union has the higher TellerScore (74 vs 60). On the 7 directional measures above (where higher or lower is clearly better), United Business Bank leads on 3 and Railroad Employees Credit Union on 4. 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.
Where both have branches
- Belen, NM