Side-by-side · Q2 2026 data
Bay Federal Credit Union vs Coasthills Federal Credit Union
Credit union
Coasthills Federal Credit Union
Santa Maria, California · $1 billion – $10 billion
Metric by metric
| Measure | Bay Federal Credit Union | Coasthills Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 51 |
| Capital cushion | 49 (stronger) | 30 |
| Loan quality | 90 (stronger) | 78 |
| Earnings | 55 (stronger) | 19 |
| Funding & liquidity | 90 (stronger) | 72 |
| Problem-loan coverage | 95 (stronger) | 83 |
| Peer percentile | 62nd | 7th |
| Total assets | $1.9B | $1.8B |
| Deposits / shares | $1.7B | $1.5B |
| Capital ratio | 9.85% (stronger) | 8.00% |
| Problem loans | 0.31% (stronger) | 0.67% |
| Net charge-offs | 0.40% (stronger) | 1.39% |
| Return on assets | 0.86% (stronger) | -0.02% |
| Loans ÷ deposits | 70.5% (stronger) | 88.4% |
| Uninsured deposits | 8.2% | 5.6% (stronger) |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Federal Credit Union has the higher TellerScore (71 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Bay Federal Credit Union leads on 6 and Coasthills Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.