Side-by-side · Q2 2026 data
BayFirst National Bank vs Gallup Federal Credit Union
Metric by metric
| Measure | BayFirst National Bank | Gallup Federal Credit Union |
|---|---|---|
| TellerScore | 36 | 84 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 29 | 98 (stronger) |
| Earnings | 0 | 58 (stronger) |
| Funding & liquidity | 71 (stronger) | 50 |
| Problem-loan coverage | 75 | 100 (stronger) |
| Peer percentile | 1st | 75th |
| Total assets | $1.1B | $16.4M |
| Deposits / shares | $1.0B | $13.3M |
| Capital ratio | 8.61% | 18.06% (stronger) |
| Problem loans | 2.13% | 0.05% (stronger) |
| Net charge-offs | 1.98% | 0.00% (stronger) |
| Return on assets | -6.32% | 0.96% (stronger) |
| Loans ÷ deposits | 84.0% (stronger) | 111.1% |
| Uninsured deposits | 19.5% | 9.7% (stronger) |
| Offices | 12 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gallup Federal Credit Union has the higher TellerScore (84 vs 36). On the 7 directional measures above (where higher or lower is clearly better), BayFirst National Bank leads on 1 and Gallup Federal Credit Union on 6. 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.