Side-by-side · Q2 2026 data
Eight Federal Credit Union vs Bay Area Credit Union
Metric by metric
| Measure | Eight Federal Credit Union | Bay Area Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 68 |
| Capital cushion | 98 (stronger) | 66 |
| Loan quality | 99 (stronger) | 60 |
| Earnings | 83 (stronger) | 48 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 97th | 45th |
| Total assets | $25.3M | $107.9M |
| Deposits / shares | $21.4M | $93.8M |
| Capital ratio | 14.76% (stronger) | 11.60% |
| Problem loans | 0.02% (stronger) | 1.21% |
| Net charge-offs | -0.02% (stronger) | 0.22% |
| Return on assets | 1.57% (stronger) | 0.69% |
| Loans ÷ deposits | 37.9% (stronger) | 53.4% |
| Uninsured deposits | 2.0% (stronger) | 3.7% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Eight Federal Credit Union has the higher TellerScore (96 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Eight Federal Credit Union leads on 7 and Bay Area Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.