Side-by-side · Q2 2026 data
Wave Federal Credit Union vs Rhode Island Credit Union
Metric by metric
| Measure | Wave Federal Credit Union | Rhode Island Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 65 |
| Capital cushion | 73 (stronger) | 54 |
| Loan quality | 69 | 87 (stronger) |
| Earnings | 39 (stronger) | 31 |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 54th | 34th |
| Total assets | $156.8M | $425.1M |
| Deposits / shares | $136.8M | $375.1M |
| Capital ratio | 12.30% (stronger) | 10.40% |
| Problem loans | 0.93% | 0.38% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.22% |
| Return on assets | 0.47% (stronger) | 0.26% |
| Loans ÷ deposits | 58.4% (stronger) | 86.2% |
| Uninsured deposits | 5.3% (stronger) | 5.8% |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.8% | 36.6% |
Wave Federal Credit Union has the higher TellerScore (71 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Wave Federal Credit Union leads on 6 and Rhode Island Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.