Side-by-side · Q2 2026 data
Bay Shore Credit Union vs Spokane Firefighters Credit Union
Credit union
Spokane Firefighters Credit Union
Spokane, Washington · Under $100 million in assets
Metric by metric
| Measure | Bay Shore Credit Union | Spokane Firefighters Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 87 |
| Capital cushion | 100 (stronger) | 95 |
| Loan quality | 91 | 95 (stronger) |
| Earnings | 71 (stronger) | 55 |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 92nd | 83rd |
| Total assets | $48.2M | $86.4M |
| Deposits / shares | $38.7M | $73.2M |
| Capital ratio | 18.64% (stronger) | 14.51% |
| Problem loans | 0.27% | 0.15% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.05% |
| Return on assets | 1.27% (stronger) | 0.86% |
| Loans ÷ deposits | 50.4% (stronger) | 66.7% |
| Uninsured deposits | 4.8% (stronger) | 5.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.8% |
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 6 and Spokane Firefighters Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.