Side-by-side · Q2 2026 data
Baybank vs Rock Community Federal Credit Union
Credit union
Rock Community Federal Credit Union
Rock, Michigan · Under $100 million in assets
Metric by metric
| Measure | Baybank | Rock Community Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 69 (stronger) |
| Capital cushion | 57 (stronger) | 37 |
| Loan quality | 33 | 99 (stronger) |
| Earnings | 69 (stronger) | 41 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 71 | 100 (stronger) |
| Peer percentile | 13th | 38th |
| Total assets | $173.4M | $9.1M |
| Deposits / shares | $145.8M | $8.3M |
| Capital ratio | 10.71% (stronger) | 8.69% |
| Problem loans | 2.02% | 0.04% (stronger) |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.23% (stronger) | 0.52% |
| Loans ÷ deposits | 92.4% | 36.0% (stronger) |
| Uninsured deposits | 19.6% | 4.1% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Rock Community Federal Credit Union has the higher TellerScore (69 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Baybank leads on 2 and Rock Community Federal 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.