Side-by-side · Q2 2026 data
Citizens and Farmers Bank vs Bayport Federal Credit Union
Metric by metric
| Measure | Citizens and Farmers Bank | Bayport Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 69 |
| Capital cushion | 62 | 63 (stronger) |
| Loan quality | 97 (stronger) | 76 |
| Earnings | 71 (stronger) | 64 |
| Funding & liquidity | 54 | 66 (stronger) |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 77th | 54th |
| Total assets | $2.8B | $2.8B |
| Deposits / shares | $2.4B | $2.4B |
| Capital ratio | 11.20% | 11.33% (stronger) |
| Problem loans | 0.09% (stronger) | 0.71% |
| Net charge-offs | 0.57% (stronger) | 1.00% |
| Return on assets | 1.27% (stronger) | 1.09% |
| Loans ÷ deposits | 89.0% (stronger) | 94.0% |
| Uninsured deposits | 30.5% | 12.1% (stronger) |
| Offices | 32 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.4% | — |
Citizens and Farmers Bank has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Citizens and Farmers Bank leads on 5 and Bayport Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.