Side-by-side · Q2 2026 data
Baylor Health Care System Credit Union vs Freestone Credit Union
Credit union
Baylor Health Care System Credit Union
Dallas, Texas · Under $100 million in assets
Metric by metric
| Measure | Baylor Health Care System Credit Union | Freestone Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 49 | 97 (stronger) |
| Earnings | 46 (stronger) | 41 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 54th | 47th |
| Total assets | $80.6M | $77.3M |
| Deposits / shares | $62.0M | $67.8M |
| Capital ratio | 21.91% (stronger) | 10.32% |
| Problem loans | 1.54% | 0.10% (stronger) |
| Net charge-offs | 0.53% | 0.14% (stronger) |
| Return on assets | 0.66% (stronger) | 0.54% |
| Loans ÷ deposits | 53.6% (stronger) | 55.9% |
| Uninsured deposits | 3.9% (stronger) | 5.7% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Baylor Health Care System Credit Union has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Baylor Health Care System Credit Union leads on 5 and Freestone Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.