Side-by-side · Q2 2026 data
Baycel Federal Credit Union vs Cooperative Teachers
Metric by metric
| Measure | Baycel Federal Credit Union | Cooperative Teachers |
|---|---|---|
| TellerScore | 91 (stronger) | 30 |
| Capital cushion | 100 (stronger) | 29 |
| Loan quality | 66 (stronger) | 0 |
| Earnings | 100 (stronger) | 32 |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 96 (stronger) | 22 |
| Peer percentile | 90th | 1st |
| Total assets | $92.2M | $93.8M |
| Deposits / shares | $71.9M | $83.4M |
| Capital ratio | 21.79% (stronger) | 7.88% |
| Problem loans | 1.01% (stronger) | 4.31% |
| Net charge-offs | 0.31% (stronger) | 0.47% |
| Return on assets | 2.50% (stronger) | 0.30% |
| Loans ÷ deposits | 49.8% (stronger) | 74.8% |
| Uninsured deposits | 2.5% (stronger) | 3.2% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Baycel Federal Credit Union has the higher TellerScore (91 vs 30). On the 7 directional measures above (where higher or lower is clearly better), Baycel Federal Credit Union leads on 7 and Cooperative Teachers on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.