Side-by-side · Q2 2026 data
BayVanguard Bank vs Municipal Empl.Credit Union of Balt
Credit union
Municipal Empl.Credit Union of Balt
Baltimore, Maryland · $1 billion – $10 billion
Metric by metric
| Measure | BayVanguard Bank | Municipal Empl.Credit Union of Balt |
|---|---|---|
| TellerScore | 80 (stronger) | 62 |
| Capital cushion | 100 (stronger) | 80 |
| Loan quality | 84 (stronger) | 45 |
| Earnings | 60 (stronger) | 31 |
| Funding & liquidity | 52 | 84 (stronger) |
| Problem-loan coverage | 96 (stronger) | 84 |
| Peer percentile | 77th | 30th |
| Total assets | $868.7M | $1.3B |
| Deposits / shares | $689.1M | $1.1B |
| Capital ratio | 17.13% (stronger) | 12.97% |
| Problem loans | 0.48% (stronger) | 1.66% |
| Net charge-offs | -0.01% (stronger) | 0.96% |
| Return on assets | 1.01% (stronger) | 0.28% |
| Loans ÷ deposits | 102.2% | 75.8% (stronger) |
| Uninsured deposits | 20.7% | 8.3% (stronger) |
| Offices | 12 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
BayVanguard Bank has the higher TellerScore (80 vs 62). On the 7 directional measures above (where higher or lower is clearly better), BayVanguard Bank leads on 5 and Municipal Empl.Credit Union of Balt on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.