Side-by-side · Q2 2026 data
Bay Shore Credit Union vs Spokane Teachers Credit Union
Credit union
Spokane Teachers Credit Union
Liberty Lake, Washington · $1 billion – $10 billion
Metric by metric
| Measure | Bay Shore Credit Union | Spokane Teachers Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 91 (stronger) | 54 |
| Earnings | 71 (stronger) | 47 |
| Funding & liquidity | 100 (stronger) | 64 |
| Problem-loan coverage | 99 (stronger) | 78 |
| Peer percentile | 92nd | 17th |
| Total assets | $48.2M | $6.4B |
| Deposits / shares | $38.7M | $5.4B |
| Capital ratio | 18.64% (stronger) | 10.38% |
| Problem loans | 0.27% (stronger) | 1.39% |
| Net charge-offs | -0.01% (stronger) | 0.64% |
| Return on assets | 1.27% (stronger) | 0.67% |
| Loans ÷ deposits | 50.4% (stronger) | 96.6% |
| Uninsured deposits | 4.8% (stronger) | 10.1% |
| Offices | 2 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Shore Credit Union has the higher TellerScore (92 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Bay Shore Credit Union leads on 7 and Spokane Teachers Credit Union on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.