Side-by-side · Q2 2026 data
BayVanguard Bank vs Freedom of Maryland Federal Credit Union
Credit union
Freedom of Maryland Federal Credit Union
Bel Air, Maryland · $100 million – $1 billion
Metric by metric
| Measure | BayVanguard Bank | Freedom of Maryland Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 51 |
| Capital cushion | 100 (stronger) | 37 |
| Loan quality | 84 (stronger) | 48 |
| Earnings | 60 (stronger) | 47 |
| Funding & liquidity | 52 | 74 (stronger) |
| Problem-loan coverage | 96 (stronger) | 73 |
| Peer percentile | 77th | 7th |
| Total assets | $868.7M | $557.4M |
| Deposits / shares | $689.1M | $495.0M |
| Capital ratio | 17.13% (stronger) | 8.66% |
| Problem loans | 0.48% (stronger) | 1.55% |
| Net charge-offs | -0.01% (stronger) | 0.55% |
| Return on assets | 1.01% (stronger) | 0.68% |
| Loans ÷ deposits | 102.2% | 86.3% (stronger) |
| Uninsured deposits | 20.7% | 5.2% (stronger) |
| Offices | 12 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | 2.6% |
BayVanguard Bank has the higher TellerScore (80 vs 51). On the 7 directional measures above (where higher or lower is clearly better), BayVanguard Bank leads on 5 and Freedom of Maryland Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.