Side-by-side · Q2 2026 data
Bay Federal Credit Union vs Commonwealth Central Credit Union
Metric by metric
| Measure | Bay Federal Credit Union | Commonwealth Central Credit Union |
|---|---|---|
| TellerScore | 71 | 80 (stronger) |
| Capital cushion | 49 | 92 (stronger) |
| Loan quality | 90 (stronger) | 86 |
| Earnings | 55 (stronger) | 48 |
| Funding & liquidity | 90 (stronger) | 79 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 62nd | 78th |
| Total assets | $1.9B | $624.9M |
| Deposits / shares | $1.7B | $530.3M |
| Capital ratio | 9.85% | 14.23% (stronger) |
| Problem loans | 0.31% (stronger) | 0.41% |
| Net charge-offs | 0.40% (stronger) | 0.61% |
| Return on assets | 0.86% (stronger) | 0.70% |
| Loans ÷ deposits | 70.5% (stronger) | 81.5% |
| Uninsured deposits | 8.2% | 7.2% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 33.6% |
Commonwealth Central Credit Union has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Bay Federal Credit Union leads on 4 and Commonwealth Central Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.