Side-by-side · Q2 2026 data
Caltech Employees Federal Credit Union vs Bay Federal Credit Union
Credit union
Caltech Employees Federal Credit Union
La Canada, California · $1 billion – $10 billion
Metric by metric
| Measure | Caltech Employees Federal Credit Union | Bay Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 71 (stronger) |
| Capital cushion | 51 (stronger) | 49 |
| Loan quality | 99 (stronger) | 90 |
| Earnings | 25 | 55 (stronger) |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 58th | 62nd |
| Total assets | $2.1B | $1.9B |
| Deposits / shares | $1.6B | $1.7B |
| Capital ratio | 10.08% (stronger) | 9.85% |
| Problem loans | 0.02% (stronger) | 0.31% |
| Net charge-offs | 0.06% (stronger) | 0.40% |
| Return on assets | 0.13% | 0.86% (stronger) |
| Loans ÷ deposits | 44.7% (stronger) | 70.5% |
| Uninsured deposits | 15.6% | 8.2% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.4% | — |
Bay Federal Credit Union has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Caltech Employees Federal Credit Union leads on 4 and Bay Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.