Side-by-side · Q2 2026 data
Commodore Perry Federal Credit Union vs Bay Area Credit Union
Credit union
Commodore Perry Federal Credit Union
Oak Harbor, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Commodore Perry Federal Credit Union | Bay Area Credit Union |
|---|---|---|
| TellerScore | 51 | 68 (stronger) |
| Capital cushion | 52 | 66 (stronger) |
| Loan quality | 39 | 60 (stronger) |
| Earnings | 31 | 48 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 76 | 90 (stronger) |
| Peer percentile | 7th | 45th |
| Total assets | $102.3M | $107.9M |
| Deposits / shares | $87.0M | $93.8M |
| Capital ratio | 10.21% | 11.60% (stronger) |
| Problem loans | 1.82% | 1.21% (stronger) |
| Net charge-offs | 0.46% | 0.22% (stronger) |
| Return on assets | 0.28% | 0.69% (stronger) |
| Loans ÷ deposits | 80.5% | 53.4% (stronger) |
| Uninsured deposits | 4.6% | 3.7% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Area Credit Union has the higher TellerScore (68 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Commodore Perry Federal Credit Union leads on 0 and Bay Area Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.