Side-by-side · Q2 2026 data
First Choice Credit Union vs Bay Shore Credit Union
Credit union
First Choice Credit Union
Marshfield, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | First Choice Credit Union | Bay Shore Credit Union |
|---|---|---|
| TellerScore | 89 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 78 | 91 (stronger) |
| Earnings | 86 (stronger) | 71 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 87th | 92nd |
| Total assets | $51.0M | $48.2M |
| Deposits / shares | $42.2M | $38.7M |
| Capital ratio | 16.34% | 18.64% (stronger) |
| Problem loans | 0.65% | 0.27% (stronger) |
| Net charge-offs | 0.37% | -0.01% (stronger) |
| Return on assets | 1.66% (stronger) | 1.27% |
| Loans ÷ deposits | 72.8% | 50.4% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 4.8% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Shore Credit Union has the higher TellerScore (92 vs 89). On the 7 directional measures above (where higher or lower is clearly better), First Choice Credit Union leads on 2 and Bay Shore Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.