Side-by-side · Q2 2026 data
Bank of Erath vs Bayou Federal Credit Union
Metric by metric
| Measure | Bank of Erath | Bayou Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 84 (stronger) |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 53 | 90 (stronger) |
| Earnings | 27 | 47 (stronger) |
| Funding & liquidity | 100 (stronger) | 80 |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 47th | 75th |
| Total assets | $105.3M | $82.5M |
| Deposits / shares | $90.2M | $69.0M |
| Capital ratio | 14.39% | 15.91% (stronger) |
| Problem loans | 1.42% | 0.30% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.24% |
| Return on assets | 0.18% | 0.67% (stronger) |
| Loans ÷ deposits | 47.4% (stronger) | 80.5% |
| Uninsured deposits | 12.1% | 4.4% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bayou Federal Credit Union has the higher TellerScore (84 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Bank of Erath leads on 2 and Bayou Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.