Side-by-side · Q2 2026 data
Bayou Federal Credit Union vs 705 Federal Credit Union
Credit union
705 Federal Credit Union
Lafayette, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Bayou Federal Credit Union | 705 Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 41 |
| Capital cushion | 100 (stronger) | 29 |
| Loan quality | 90 (stronger) | 32 |
| Earnings | 47 (stronger) | 29 |
| Funding & liquidity | 80 | 83 (stronger) |
| Problem-loan coverage | 96 (stronger) | 61 |
| Peer percentile | 75th | 3rd |
| Total assets | $82.5M | $43.0M |
| Deposits / shares | $69.0M | $39.1M |
| Capital ratio | 15.91% (stronger) | 7.91% |
| Problem loans | 0.30% (stronger) | 2.03% |
| Net charge-offs | 0.24% (stronger) | 0.54% |
| Return on assets | 0.67% (stronger) | 0.23% |
| Loans ÷ deposits | 80.5% | 77.2% (stronger) |
| Uninsured deposits | 4.4% (stronger) | 10.5% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bayou Federal Credit Union has the higher TellerScore (84 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Bayou Federal Credit Union leads on 6 and 705 Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.