Side-by-side · Q2 2026 data
Bayou City Federal Credit Union vs Temple Santa Fe Community Credit Union
Credit union
Bayou City Federal Credit Union
Houston, Texas · Under $100 million in assets
Credit union
Temple Santa Fe Community Credit Union
Temple, Texas · Under $100 million in assets
Metric by metric
| Measure | Bayou City Federal Credit Union | Temple Santa Fe Community Credit Union |
|---|---|---|
| TellerScore | 54 | 61 (stronger) |
| Capital cushion | 51 (stronger) | 31 |
| Loan quality | 38 | 86 (stronger) |
| Earnings | 28 | 30 (stronger) |
| Funding & liquidity | 100 (stronger) | 97 |
| Problem-loan coverage | 84 | 94 (stronger) |
| Peer percentile | 13th | 23rd |
| Total assets | $23.8M | $24.0M |
| Deposits / shares | $21.3M | $22.0M |
| Capital ratio | 10.13% (stronger) | 8.10% |
| Problem loans | 1.85% | 0.42% (stronger) |
| Net charge-offs | 1.08% | 0.04% (stronger) |
| Return on assets | 0.20% | 0.24% (stronger) |
| Loans ÷ deposits | 37.3% (stronger) | 63.0% |
| Uninsured deposits | 2.9% (stronger) | 3.5% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Temple Santa Fe Community Credit Union has the higher TellerScore (61 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Bayou City Federal Credit Union leads on 3 and Temple Santa Fe Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.