Side-by-side · Q2 2026 data
Widget Federal Credit Union vs Tri State Rail Federal Credit Union
Credit union
Tri State Rail Federal Credit Union
Erie, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Widget Federal Credit Union | Tri State Rail Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 84 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 88 (stronger) | 83 |
| Earnings | 47 (stronger) | 40 |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 60th | 75th |
| Total assets | $480.3M | $19.9M |
| Deposits / shares | $428.1M | $15.9M |
| Capital ratio | 10.71% | 19.98% (stronger) |
| Problem loans | 0.36% (stronger) | 0.50% |
| Net charge-offs | 0.30% | -0.17% (stronger) |
| Return on assets | 0.69% (stronger) | 0.50% |
| Loans ÷ deposits | 63.4% | 38.9% (stronger) |
| Uninsured deposits | 3.0% | 0.0% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 49.1% | — |
Tri State Rail Federal Credit Union has the higher TellerScore (84 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Widget Federal Credit Union leads on 2 and Tri State Rail Federal Credit Union on 5. 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.