Side-by-side · Q2 2026 data
Bay Shore Credit Union vs Responders Emergency Services Credit Union
Credit union
Responders Emergency Services Credit Union
Spokane, Washington · Under $100 million in assets
Metric by metric
| Measure | Bay Shore Credit Union | Responders Emergency Services Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 87 |
| Capital cushion | 100 | 100 |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 71 (stronger) | 40 |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 92nd | 83rd |
| Total assets | $48.2M | $56.2M |
| Deposits / shares | $38.7M | $46.3M |
| Capital ratio | 18.64% (stronger) | 17.32% |
| Problem loans | 0.27% | 0.01% (stronger) |
| Net charge-offs | -0.01% | -0.01% (stronger) |
| Return on assets | 1.27% (stronger) | 0.50% |
| Loans ÷ deposits | 50.4% (stronger) | 69.3% |
| Uninsured deposits | 4.8% (stronger) | 7.1% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Shore Credit Union has the higher TellerScore (92 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Bay Shore Credit Union leads on 5 and Responders Emergency Services Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.