Side-by-side · Q2 2026 data
Baycel Federal Credit Union vs Southland Federal Credit Union
Metric by metric
| Measure | Baycel Federal Credit Union | Southland Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 85 |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 66 | 79 (stronger) |
| Earnings | 100 (stronger) | 61 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 90th | 77th |
| Total assets | $92.2M | $89.2M |
| Deposits / shares | $71.9M | $76.0M |
| Capital ratio | 21.79% (stronger) | 14.41% |
| Problem loans | 1.01% | 0.62% (stronger) |
| Net charge-offs | 0.31% (stronger) | 0.83% |
| Return on assets | 2.50% (stronger) | 1.03% |
| Loans ÷ deposits | 49.8% (stronger) | 55.0% |
| Uninsured deposits | 2.5% | 0.0% (stronger) |
| 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 85). On the 7 directional measures above (where higher or lower is clearly better), Baycel Federal Credit Union leads on 5 and Southland Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.