Side-by-side · Q2 2026 data
City Federal Credit Union vs Baylor Health Care System Credit Union
Credit union
Baylor Health Care System Credit Union
Dallas, Texas · Under $100 million in assets
Metric by metric
| Measure | City Federal Credit Union | Baylor Health Care System Credit Union |
|---|---|---|
| TellerScore | 61 | 76 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 47 | 49 (stronger) |
| Earnings | 2 | 46 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 85 | 94 (stronger) |
| Peer percentile | 23rd | 54th |
| Total assets | $84.3M | $80.6M |
| Deposits / shares | $70.2M | $62.0M |
| Capital ratio | 16.25% | 21.91% (stronger) |
| Problem loans | 1.59% | 1.54% (stronger) |
| Net charge-offs | 1.34% | 0.53% (stronger) |
| Return on assets | -0.45% | 0.66% (stronger) |
| Loans ÷ deposits | 90.2% | 53.6% (stronger) |
| Uninsured deposits | 4.0% | 3.9% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Baylor Health Care System Credit Union has the higher TellerScore (76 vs 61). On the 7 directional measures above (where higher or lower is clearly better), City Federal Credit Union leads on 0 and Baylor Health Care System Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.