Side-by-side · Q2 2026 data
Hancock Federal Credit Union vs Bay Area Credit Union
Metric by metric
| Measure | Hancock Federal Credit Union | Bay Area Credit Union |
|---|---|---|
| TellerScore | 60 | 68 (stronger) |
| Capital cushion | 38 | 66 (stronger) |
| Loan quality | 81 (stronger) | 60 |
| Earnings | 36 | 48 (stronger) |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 91 (stronger) | 90 |
| Peer percentile | 21st | 45th |
| Total assets | $118.4M | $107.9M |
| Deposits / shares | $105.8M | $93.8M |
| Capital ratio | 8.79% | 11.60% (stronger) |
| Problem loans | 0.58% (stronger) | 1.21% |
| Net charge-offs | 0.08% (stronger) | 0.22% |
| Return on assets | 0.39% | 0.69% (stronger) |
| Loans ÷ deposits | 80.8% | 53.4% (stronger) |
| Uninsured deposits | 2.1% (stronger) | 3.7% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Area Credit Union has the higher TellerScore (68 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Hancock Federal 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.