Side-by-side · Q2 2026 data
Bank of Zachary vs Baton Rouge City Parish Emp Federal Credit Union
Credit union
Baton Rouge City Parish Emp Federal Credit Union
Baton Rouge, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Bank of Zachary | Baton Rouge City Parish Emp Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 96 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 98 (stronger) | 89 |
| Earnings | 59 | 93 (stronger) |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 64th | 97th |
| Total assets | $416.0M | $58.2M |
| Deposits / shares | $359.7M | $45.2M |
| Capital ratio | 11.92% | 21.98% (stronger) |
| Problem loans | 0.07% (stronger) | 0.33% |
| Net charge-offs | 0.16% | 0.09% (stronger) |
| Return on assets | 0.98% | 1.83% (stronger) |
| Loans ÷ deposits | 84.9% | 43.1% (stronger) |
| Uninsured deposits | 27.8% | 0.8% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | — |
Baton Rouge City Parish Emp Federal Credit Union has the higher TellerScore (96 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Bank of Zachary leads on 1 and Baton Rouge City Parish Emp Federal Credit Union on 6. 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.