Side-by-side · Q2 2026 data
Bank of Commerce & Trust Co. vs Bayou Federal Credit Union
Metric by metric
| Measure | Bank of Commerce & Trust Co. | Bayou Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 84 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 94 (stronger) | 90 |
| Earnings | 33 | 47 (stronger) |
| Funding & liquidity | 92 (stronger) | 80 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 50th | 75th |
| Total assets | $377.9M | $82.5M |
| Deposits / shares | $332.0M | $69.0M |
| Capital ratio | 11.10% | 15.91% (stronger) |
| Problem loans | 0.19% (stronger) | 0.30% |
| Net charge-offs | 0.06% (stronger) | 0.24% |
| Return on assets | 0.32% | 0.67% (stronger) |
| Loans ÷ deposits | 29.6% (stronger) | 80.5% |
| Uninsured deposits | 22.6% | 4.4% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bayou Federal Credit Union has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Bank of Commerce & Trust Co. leads on 3 and Bayou Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.