Side-by-side · Q2 2026 data
Baycel Federal Credit Union vs Matagorda County Credit Union
Metric by metric
| Measure | Baycel Federal Credit Union | Matagorda County Credit Union |
|---|---|---|
| TellerScore | 91 | 94 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 66 | 90 (stronger) |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 90th | 95th |
| Total assets | $92.2M | $36.2M |
| Deposits / shares | $71.9M | $29.9M |
| Capital ratio | 21.79% (stronger) | 17.39% |
| Problem loans | 1.01% | 0.31% (stronger) |
| Net charge-offs | 0.31% | 0.04% (stronger) |
| Return on assets | 2.50% (stronger) | 1.55% |
| Loans ÷ deposits | 49.8% (stronger) | 57.0% |
| Uninsured deposits | 2.5% | 0.8% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Matagorda County Credit Union has the higher TellerScore (94 vs 91). On the 7 directional measures above (where higher or lower is clearly better), Baycel Federal Credit Union leads on 3 and Matagorda County Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.