Side-by-side · Q2 2026 data
Bcm Federal Credit Union vs Caprock Federal Credit Union
Metric by metric
| Measure | Bcm Federal Credit Union | Caprock Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 56 |
| Capital cushion | 76 (stronger) | 65 |
| Loan quality | 83 (stronger) | 52 |
| Earnings | 66 (stronger) | 22 |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 96 (stronger) | 80 |
| Peer percentile | 68th | 16th |
| Total assets | $42.7M | $40.4M |
| Deposits / shares | $37.2M | $35.5M |
| Capital ratio | 12.57% (stronger) | 11.54% |
| Problem loans | 0.51% (stronger) | 1.43% |
| Net charge-offs | 1.35% | 0.20% (stronger) |
| Return on assets | 1.15% (stronger) | 0.05% |
| Loans ÷ deposits | 59.3% (stronger) | 83.6% |
| Uninsured deposits | 6.2% (stronger) | 15.4% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bcm Federal Credit Union has the higher TellerScore (81 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Bcm Federal Credit Union leads on 6 and Caprock Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.