Side-by-side · Q2 2026 data
Bayou Federal Credit Union vs P.H.I. Federal Credit Union
Metric by metric
| Measure | Bayou Federal Credit Union | P.H.I. Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 55 |
| Capital cushion | 100 (stronger) | 20 |
| Loan quality | 90 | 100 (stronger) |
| Earnings | 47 (stronger) | 0 |
| Funding & liquidity | 80 | 92 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 75th | 15th |
| Total assets | $82.5M | $4.9M |
| Deposits / shares | $69.0M | $4.5M |
| Capital ratio | 15.91% (stronger) | 6.97% |
| Problem loans | 0.30% | 0.00% (stronger) |
| Net charge-offs | 0.24% | -0.13% (stronger) |
| Return on assets | 0.67% (stronger) | -0.59% |
| Loans ÷ deposits | 80.5% | 68.6% (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 55). On the 7 directional measures above (where higher or lower is clearly better), Bayou Federal Credit Union leads on 3 and P.H.I. Federal 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.