Side-by-side · Q2 2026 data
Bay Federal Credit Union vs Meriwest Credit Union
Metric by metric
| Measure | Bay Federal Credit Union | Meriwest Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 54 |
| Capital cushion | 49 (stronger) | 41 |
| Loan quality | 90 (stronger) | 73 |
| Earnings | 55 (stronger) | 25 |
| Funding & liquidity | 90 (stronger) | 67 |
| Problem-loan coverage | 95 (stronger) | 86 |
| Peer percentile | 62nd | 11th |
| Total assets | $1.9B | $2.1B |
| Deposits / shares | $1.7B | $1.7B |
| Capital ratio | 9.85% (stronger) | 9.12% |
| Problem loans | 0.31% (stronger) | 0.81% |
| Net charge-offs | 0.40% (stronger) | 0.64% |
| Return on assets | 0.86% (stronger) | 0.11% |
| Loans ÷ deposits | 70.5% (stronger) | 93.4% |
| Uninsured deposits | 8.2% (stronger) | 13.8% |
| Offices | 6 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Federal Credit Union has the higher TellerScore (71 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Bay Federal Credit Union leads on 7 and Meriwest Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.