Side-by-side · Q2 2026 data
Bay Shore Credit Union vs Athens Area Credit Union
Metric by metric
| Measure | Bay Shore Credit Union | Athens Area Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 84 |
| Capital cushion | 100 (stronger) | 84 |
| Loan quality | 91 (stronger) | 79 |
| Earnings | 71 (stronger) | 70 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 92nd | 75th |
| Total assets | $48.2M | $49.9M |
| Deposits / shares | $38.7M | $42.9M |
| Capital ratio | 18.64% (stronger) | 13.35% |
| Problem loans | 0.27% (stronger) | 0.63% |
| Net charge-offs | -0.01% (stronger) | 0.04% |
| Return on assets | 1.27% (stronger) | 1.25% |
| Loans ÷ deposits | 50.4% | 40.7% (stronger) |
| Uninsured deposits | 4.8% | 2.8% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Shore Credit Union has the higher TellerScore (92 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Bay Shore Credit Union leads on 5 and Athens Area Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.