Side-by-side · Q2 2026 data
Formation Federal Credit Union vs Bayou Federal Credit Union
Credit union
Formation Federal Credit Union
Baton Rouge, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Formation Federal Credit Union | Bayou Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 84 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 71 | 90 (stronger) |
| Earnings | 43 | 47 (stronger) |
| Funding & liquidity | 88 (stronger) | 80 |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 54th | 75th |
| Total assets | $93.0M | $82.5M |
| Deposits / shares | $79.6M | $69.0M |
| Capital ratio | 14.10% | 15.91% (stronger) |
| Problem loans | 0.88% | 0.30% (stronger) |
| Net charge-offs | 0.89% | 0.24% (stronger) |
| Return on assets | 0.58% | 0.67% (stronger) |
| Loans ÷ deposits | 72.2% (stronger) | 80.5% |
| Uninsured deposits | 5.8% | 4.4% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bayou Federal Credit Union has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Formation Federal Credit Union leads on 1 and Bayou Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.