Side-by-side · Q2 2026 data
BayCoast Bank vs Natco Employees Federal Credit Union
Credit union
Natco Employees Federal Credit Union
West Warwick, Rhode Island · Under $100 million in assets
Metric by metric
| Measure | BayCoast Bank | Natco Employees Federal Credit Union |
|---|---|---|
| TellerScore | 46 | 93 (stronger) |
| Capital cushion | 33 | 100 (stronger) |
| Loan quality | 52 | 100 (stronger) |
| Earnings | 40 | 65 (stronger) |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 77 | 100 (stronger) |
| Peer percentile | 5th | 94th |
| Total assets | $2.9B | $208K |
| Deposits / shares | $2.5B | $170K |
| Capital ratio | 8.29% | 17.44% (stronger) |
| Problem loans | 1.45% | 0.00% (stronger) |
| Net charge-offs | 0.12% | 0.00% (stronger) |
| Return on assets | 0.51% | 1.13% (stronger) |
| Loans ÷ deposits | 90.6% | 23.9% (stronger) |
| Uninsured deposits | 32.8% | 0.0% (stronger) |
| Offices | 26 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.1% | — |
Natco Employees Federal Credit Union has the higher TellerScore (93 vs 46). On the 7 directional measures above (where higher or lower is clearly better), BayCoast Bank leads on 0 and Natco Employees Federal Credit Union on 7. 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.