Side-by-side · Q2 2026 data
Coastal Community Federal Credit Union vs Baycel Federal Credit Union
Credit union
Coastal Community Federal Credit Union
Galveston, Texas · Under $100 million in assets
Metric by metric
| Measure | Coastal Community Federal Credit Union | Baycel Federal Credit Union |
|---|---|---|
| TellerScore | 39 | 91 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 7 | 66 (stronger) |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 72 | 96 (stronger) |
| Peer percentile | 3rd | 90th |
| Total assets | $93.3M | $92.2M |
| Deposits / shares | $83.5M | $71.9M |
| Capital ratio | 9.95% | 21.79% (stronger) |
| Problem loans | 2.79% | 1.01% (stronger) |
| Net charge-offs | 1.69% | 0.31% (stronger) |
| Return on assets | -1.01% | 2.50% (stronger) |
| Loans ÷ deposits | 55.4% | 49.8% (stronger) |
| Uninsured deposits | 3.1% | 2.5% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Baycel Federal Credit Union has the higher TellerScore (91 vs 39). On the 7 directional measures above (where higher or lower is clearly better), Coastal Community Federal Credit Union leads on 0 and Baycel Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.