Side-by-side · Q2 2026 data
BayVanguard Bank vs Self Reliance Financial Federal Credit Union
Credit union
Self Reliance Financial Federal Credit Union
New York, New York · $1 billion – $10 billion
Metric by metric
| Measure | BayVanguard Bank | Self Reliance Financial Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 79 |
| Capital cushion | 100 | 100 |
| Loan quality | 84 (stronger) | 79 |
| Earnings | 60 (stronger) | 41 |
| Funding & liquidity | 52 | 78 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 77th | 86th |
| Total assets | $868.7M | $2.0B |
| Deposits / shares | $689.1M | $1.7B |
| Capital ratio | 17.13% | 17.16% (stronger) |
| Problem loans | 0.48% (stronger) | 0.63% |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 1.01% (stronger) | 0.52% |
| Loans ÷ deposits | 102.2% | 81.4% (stronger) |
| Uninsured deposits | 20.7% | 16.1% (stronger) |
| Offices | 12 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
BayVanguard Bank has the higher TellerScore (80 vs 79). On the 7 directional measures above (where higher or lower is clearly better), BayVanguard Bank leads on 4 and Self Reliance Financial Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.