Side-by-side · Q2 2026 data
Bedford Loan & Deposit Bank vs Business and Industrial Federal Credit Union
Credit union
Business and Industrial Federal Credit Union
Columbus, Indiana · Under $100 million in assets
Metric by metric
| Measure | Bedford Loan & Deposit Bank | Business and Industrial Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 91 (stronger) |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 58 | 92 (stronger) |
| Earnings | 55 | 64 (stronger) |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 86 | 99 (stronger) |
| Peer percentile | 64th | 90th |
| Total assets | $121.8M | $44.9M |
| Deposits / shares | $103.5M | $36.7M |
| Capital ratio | 14.61% | 18.04% (stronger) |
| Problem loans | 1.27% | 0.24% (stronger) |
| Net charge-offs | 0.26% | 0.00% (stronger) |
| Return on assets | 0.87% | 1.11% (stronger) |
| Loans ÷ deposits | 75.8% | 48.6% (stronger) |
| Uninsured deposits | 12.0% | 1.1% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Business and Industrial Federal Credit Union has the higher TellerScore (91 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Bedford Loan & Deposit Bank leads on 0 and Business and Industrial Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.