Side-by-side · Q2 2026 data
First National Bank of Louisiana vs Bayou Federal Credit Union
Metric by metric
| Measure | First National Bank of Louisiana | Bayou Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 84 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 84 (stronger) | 47 |
| Funding & liquidity | 53 | 80 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 72nd | 75th |
| Total assets | $631.1M | $82.5M |
| Deposits / shares | $556.5M | $69.0M |
| Capital ratio | 11.02% | 15.91% (stronger) |
| Problem loans | 0.00% (stronger) | 0.30% |
| Net charge-offs | 0.00% (stronger) | 0.24% |
| Return on assets | 1.60% (stronger) | 0.67% |
| Loans ÷ deposits | 82.0% | 80.5% (stronger) |
| Uninsured deposits | 37.9% | 4.4% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | — |
Bayou Federal Credit Union has the higher TellerScore (84 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Louisiana leads on 3 and Bayou Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.