Side-by-side · Q2 2026 data
Bay Cities Credit Union vs Postcity Financial Credit Union
Credit union
Postcity Financial Credit Union
Long Beach, California · Under $100 million in assets
Metric by metric
| Measure | Bay Cities Credit Union | Postcity Financial Credit Union |
|---|---|---|
| TellerScore | 77 | 78 (stronger) |
| Capital cushion | 77 (stronger) | 74 |
| Loan quality | 71 | 91 (stronger) |
| Earnings | 59 (stronger) | 39 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 57th | 59th |
| Total assets | $77.6M | $78.8M |
| Deposits / shares | $67.4M | $69.2M |
| Capital ratio | 12.70% (stronger) | 12.39% |
| Problem loans | 0.86% | 0.27% (stronger) |
| Net charge-offs | 0.83% | 0.20% (stronger) |
| Return on assets | 0.99% (stronger) | 0.47% |
| Loans ÷ deposits | 45.5% (stronger) | 50.9% |
| Uninsured deposits | 5.3% | 0.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Postcity Financial Credit Union has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Bay Cities Credit Union leads on 3 and Postcity Financial Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.