Side-by-side · Q2 2026 data
Bay Shore Credit Union vs Spokane City Credit Union
Metric by metric
| Measure | Bay Shore Credit Union | Spokane City Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 56 |
| Loan quality | 91 | 96 (stronger) |
| Earnings | 71 (stronger) | 37 |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 92nd | 38th |
| Total assets | $48.2M | $65.9M |
| Deposits / shares | $38.7M | $58.4M |
| Capital ratio | 18.64% (stronger) | 10.62% |
| Problem loans | 0.27% | 0.11% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.20% |
| Return on assets | 1.27% (stronger) | 0.43% |
| Loans ÷ deposits | 50.4% (stronger) | 85.8% |
| Uninsured deposits | 4.8% | 3.9% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Shore Credit Union has the higher TellerScore (92 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Bay Shore Credit Union leads on 5 and Spokane City Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.