Side-by-side · Q2 2026 data
BayVanguard Bank vs Point Breeze Credit Union
Metric by metric
| Measure | BayVanguard Bank | Point Breeze Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 90 |
| Loan quality | 84 | 89 (stronger) |
| Earnings | 60 (stronger) | 37 |
| Funding & liquidity | 52 | 80 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 77th | 84th |
| Total assets | $868.7M | $1.1B |
| Deposits / shares | $689.1M | $914.1M |
| Capital ratio | 17.13% (stronger) | 14.02% |
| Problem loans | 0.48% | 0.32% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.18% |
| Return on assets | 1.01% (stronger) | 0.42% |
| Loans ÷ deposits | 102.2% | 79.8% (stronger) |
| Uninsured deposits | 20.7% | 5.2% (stronger) |
| Offices | 12 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | 7.6% |
BayVanguard Bank has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), BayVanguard Bank leads on 4 and Point Breeze Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.