Side-by-side · Q2 2026 data
Bay Port State Bank vs Team One Credit Union
Metric by metric
| Measure | Bay Port State Bank | Team One Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 66 |
| Capital cushion | 59 (stronger) | 49 |
| Loan quality | 78 | 79 (stronger) |
| Earnings | 73 (stronger) | 51 |
| Funding & liquidity | 64 | 85 (stronger) |
| Problem-loan coverage | 91 (stronger) | 90 |
| Peer percentile | 47th | 37th |
| Total assets | $153.4M | $765.9M |
| Deposits / shares | $136.1M | $680.5M |
| Capital ratio | 10.89% (stronger) | 9.88% |
| Problem loans | 0.65% | 0.64% (stronger) |
| Net charge-offs | 0.18% (stronger) | 0.39% |
| Return on assets | 1.34% (stronger) | 0.78% |
| Loans ÷ deposits | 95.8% | 75.5% (stronger) |
| Uninsured deposits | 10.6% | 7.8% (stronger) |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.9% |
Bay Port State Bank has the higher TellerScore (71 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Bay Port State Bank leads on 4 and Team One Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Bad Axe, MI