Side-by-side · Q2 2026 data
Bay State Savings Bank vs Allcom Credit Union
Metric by metric
| Measure | Bay State Savings Bank | Allcom Credit Union |
|---|---|---|
| TellerScore | 57 | 85 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 84 | 98 (stronger) |
| Earnings | 40 (stronger) | 34 |
| Funding & liquidity | 48 | 91 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 14th | 77th |
| Total assets | $580.3M | $81.8M |
| Deposits / shares | $513.7M | $67.8M |
| Capital ratio | 8.82% | 16.60% (stronger) |
| Problem loans | 0.47% | 0.07% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.09% |
| Return on assets | 0.51% (stronger) | 0.36% |
| Loans ÷ deposits | 94.5% | 69.3% (stronger) |
| Uninsured deposits | 30.5% | 3.5% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.2% | — |
Allcom Credit Union has the higher TellerScore (85 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Bay State Savings Bank leads on 2 and Allcom Credit Union on 5. 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.