Side-by-side · Q2 2026 data
BayVanguard Bank vs Har-Co Credit Union
Metric by metric
| Measure | BayVanguard Bank | Har-Co Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 84 (stronger) | 52 |
| Earnings | 60 (stronger) | 46 |
| Funding & liquidity | 52 | 85 (stronger) |
| Problem-loan coverage | 96 (stronger) | 80 |
| Peer percentile | 77th | 14th |
| Total assets | $868.7M | $286.4M |
| Deposits / shares | $689.1M | $257.0M |
| Capital ratio | 17.13% (stronger) | 9.74% |
| Problem loans | 0.48% (stronger) | 1.43% |
| Net charge-offs | -0.01% (stronger) | 0.27% |
| Return on assets | 1.01% (stronger) | 0.64% |
| Loans ÷ deposits | 102.2% | 74.8% (stronger) |
| Uninsured deposits | 20.7% | 8.4% (stronger) |
| Offices | 12 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | 4.8% |
BayVanguard Bank has the higher TellerScore (80 vs 57). On the 7 directional measures above (where higher or lower is clearly better), BayVanguard Bank leads on 5 and Har-Co Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.