Side-by-side · Q2 2026 data
Bay Bank vs Service Credit Union
Metric by metric
| Measure | Bay Bank | Service Credit Union |
|---|---|---|
| TellerScore | 59 | 84 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 32 | 99 (stronger) |
| Earnings | 65 (stronger) | 46 |
| Funding & liquidity | 76 (stronger) | 65 |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 17th | 75th |
| Total assets | $315.7M | $13.3M |
| Deposits / shares | $264.9M | $10.3M |
| Capital ratio | 11.19% | 22.11% (stronger) |
| Problem loans | 2.03% | 0.03% (stronger) |
| Net charge-offs | 0.06% | -0.00% (stronger) |
| Return on assets | 1.12% (stronger) | 0.64% |
| Loans ÷ deposits | 49.6% (stronger) | 95.3% |
| Uninsured deposits | 37.0% | 2.9% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.4% | — |
Service Credit Union has the higher TellerScore (84 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Bay Bank leads on 2 and Service 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.