Side-by-side · Q2 2026 data
Golden Circle Credit Union vs Bay Area Credit Union
Metric by metric
| Measure | Golden Circle Credit Union | Bay Area Credit Union |
|---|---|---|
| TellerScore | 66 | 68 (stronger) |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 25 | 60 (stronger) |
| Earnings | 32 | 48 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 88 | 90 (stronger) |
| Peer percentile | 37th | 45th |
| Total assets | $107.3M | $107.9M |
| Deposits / shares | $91.4M | $93.8M |
| Capital ratio | 15.61% (stronger) | 11.60% |
| Problem loans | 2.24% | 1.21% (stronger) |
| Net charge-offs | 0.55% | 0.22% (stronger) |
| Return on assets | 0.30% | 0.69% (stronger) |
| Loans ÷ deposits | 48.9% (stronger) | 53.4% |
| Uninsured deposits | 2.0% (stronger) | 3.7% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Area Credit Union has the higher TellerScore (68 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Golden Circle Credit Union leads on 3 and Bay Area Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.