Side-by-side · Q2 2026 data
Baybank vs Great Lakes First Federal Credit Union
Credit union
Great Lakes First Federal Credit Union
Escanaba, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Baybank | Great Lakes First Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 66 (stronger) |
| Capital cushion | 57 (stronger) | 53 |
| Loan quality | 33 | 62 (stronger) |
| Earnings | 69 (stronger) | 51 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 71 | 91 (stronger) |
| Peer percentile | 13th | 37th |
| Total assets | $173.4M | $105.4M |
| Deposits / shares | $145.8M | $96.2M |
| Capital ratio | 10.71% (stronger) | 10.32% |
| Problem loans | 2.02% | 1.15% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.33% |
| Return on assets | 1.23% (stronger) | 0.77% |
| Loans ÷ deposits | 92.4% | 44.0% (stronger) |
| Uninsured deposits | 19.6% | 5.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Great Lakes First Federal Credit Union has the higher TellerScore (66 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Baybank leads on 3 and Great Lakes First Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.