Side-by-side · Q2 2026 data
Bay Federal Credit Union vs Monterra Credit Union
Metric by metric
| Measure | Bay Federal Credit Union | Monterra Credit Union |
|---|---|---|
| TellerScore | 71 | 76 (stronger) |
| Capital cushion | 49 | 80 (stronger) |
| Loan quality | 90 (stronger) | 83 |
| Earnings | 55 | 59 (stronger) |
| Funding & liquidity | 90 (stronger) | 69 |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 62nd | 79th |
| Total assets | $1.9B | $1.9B |
| Deposits / shares | $1.7B | $1.7B |
| Capital ratio | 9.85% | 13.01% (stronger) |
| Problem loans | 0.31% (stronger) | 0.50% |
| Net charge-offs | 0.40% | 0.15% (stronger) |
| Return on assets | 0.86% | 0.97% (stronger) |
| Loans ÷ deposits | 70.5% (stronger) | 91.5% |
| Uninsured deposits | 8.2% | 6.9% (stronger) |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Monterra Credit Union has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Bay Federal Credit Union leads on 2 and Monterra Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.