Side-by-side · Q2 2026 data
Freedom First Federal Credit Union vs Bayport Federal Credit Union
Metric by metric
| Measure | Freedom First Federal Credit Union | Bayport Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 69 (stronger) |
| Capital cushion | 59 | 63 (stronger) |
| Loan quality | 84 (stronger) | 76 |
| Earnings | 42 | 64 (stronger) |
| Funding & liquidity | 50 | 66 (stronger) |
| Problem-loan coverage | 91 (stronger) | 88 |
| Peer percentile | 36th | 54th |
| Total assets | $1.3B | $2.8B |
| Deposits / shares | $1.0B | $2.4B |
| Capital ratio | 10.89% | 11.33% (stronger) |
| Problem loans | 0.48% (stronger) | 0.71% |
| Net charge-offs | 0.16% (stronger) | 1.00% |
| Return on assets | 0.55% | 1.09% (stronger) |
| Loans ÷ deposits | 106.5% | 94.0% (stronger) |
| Uninsured deposits | 18.3% | 12.1% (stronger) |
| Offices | 9 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | — |
Bayport Federal Credit Union has the higher TellerScore (69 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Freedom First Federal Credit Union leads on 2 and Bayport Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.