Side-by-side · Q2 2026 data
Bayou Federal Credit Union vs Immaculate Heart of Mary Credit Union
Credit union
Immaculate Heart of Mary Credit Union
Lafayette, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Bayou Federal Credit Union | Immaculate Heart of Mary Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 66 |
| Capital cushion | 100 | 100 |
| Loan quality | 90 (stronger) | 0 |
| Earnings | 47 | 78 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 51 |
| Peer percentile | 75th | 32nd |
| Total assets | $82.5M | $622K |
| Deposits / shares | $69.0M | $427K |
| Capital ratio | 15.91% | 31.26% (stronger) |
| Problem loans | 0.30% (stronger) | 32.55% |
| Net charge-offs | 0.24% (stronger) | 1.12% |
| Return on assets | 0.67% | 1.46% (stronger) |
| Loans ÷ deposits | 80.5% | 37.5% (stronger) |
| Uninsured deposits | 4.4% | 0.0% (stronger) |
| 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 66). On the 7 directional measures above (where higher or lower is clearly better), Bayou Federal Credit Union leads on 3 and Immaculate Heart of Mary Credit Union on 4. 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.