Side-by-side · Q2 2026 data
Cal State L.A. Federal Credit Union vs Bay Cities Credit Union
Credit union
Cal State L.A. Federal Credit Union
Los Angeles, California · Under $100 million in assets
Metric by metric
| Measure | Cal State L.A. Federal Credit Union | Bay Cities Credit Union |
|---|---|---|
| TellerScore | 61 | 77 (stronger) |
| Capital cushion | 40 | 77 (stronger) |
| Loan quality | 82 (stronger) | 71 |
| Earnings | 32 | 59 (stronger) |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 23rd | 57th |
| Total assets | $80.2M | $77.6M |
| Deposits / shares | $72.9M | $67.4M |
| Capital ratio | 9.03% | 12.70% (stronger) |
| Problem loans | 0.53% (stronger) | 0.86% |
| Net charge-offs | 0.19% (stronger) | 0.83% |
| Return on assets | 0.29% | 0.99% (stronger) |
| Loans ÷ deposits | 73.9% | 45.5% (stronger) |
| Uninsured deposits | 5.2% (stronger) | 5.3% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Cities Credit Union has the higher TellerScore (77 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Cal State L.A. Federal Credit Union leads on 3 and Bay Cities Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.