Side-by-side · Q2 2026 data
First Federal Savings and Loan Association vs Bay Area Credit Union
Metric by metric
| Measure | First Federal Savings and Loan Association | Bay Area Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 100 (stronger) | 60 |
| Earnings | 63 (stronger) | 48 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 98th | 45th |
| Total assets | $246.0M | $107.9M |
| Deposits / shares | $205.9M | $93.8M |
| Capital ratio | 16.48% (stronger) | 11.60% |
| Problem loans | 0.00% (stronger) | 1.21% |
| Net charge-offs | 0.00% (stronger) | 0.22% |
| Return on assets | 1.07% (stronger) | 0.69% |
| Loans ÷ deposits | 55.8% | 53.4% (stronger) |
| Uninsured deposits | 3.7% (stronger) | 3.7% |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | — |
First Federal Savings and Loan Association has the higher TellerScore (93 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association leads on 6 and Bay Area Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.