Side-by-side · Q2 2026 data
Baybank vs U.P. State Credit Union
Metric by metric
| Measure | Baybank | U.P. State Credit Union |
|---|---|---|
| TellerScore | 56 | 79 (stronger) |
| Capital cushion | 57 | 82 (stronger) |
| Loan quality | 33 | 63 (stronger) |
| Earnings | 69 | 86 (stronger) |
| Funding & liquidity | 63 | 84 (stronger) |
| Problem-loan coverage | 71 | 89 (stronger) |
| Peer percentile | 13th | 76th |
| Total assets | $173.4M | $210.3M |
| Deposits / shares | $145.8M | $181.5M |
| Capital ratio | 10.71% | 13.17% (stronger) |
| Problem loans | 2.02% | 1.10% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.12% |
| Return on assets | 1.23% | 1.66% (stronger) |
| Loans ÷ deposits | 92.4% | 76.2% (stronger) |
| Uninsured deposits | 19.6% | 0.6% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U.P. State Credit Union has the higher TellerScore (79 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Baybank leads on 1 and U.P. State Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.