Side-by-side · Q2 2026 data
Ila 1351 Federal Credit Union vs Bayou City Federal Credit Union
Credit union
Bayou City Federal Credit Union
Houston, Texas · Under $100 million in assets
Metric by metric
| Measure | Ila 1351 Federal Credit Union | Bayou City Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 100 (stronger) | 38 |
| Earnings | 68 (stronger) | 28 |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 84 |
| Peer percentile | 92nd | 13th |
| Total assets | $17.3M | $23.8M |
| Deposits / shares | $14.1M | $21.3M |
| Capital ratio | 17.01% (stronger) | 10.13% |
| Problem loans | 0.00% (stronger) | 1.85% |
| Net charge-offs | 0.00% (stronger) | 1.08% |
| Return on assets | 1.20% (stronger) | 0.20% |
| Loans ÷ deposits | 68.4% | 37.3% (stronger) |
| Uninsured deposits | 8.3% | 2.9% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ila 1351 Federal Credit Union has the higher TellerScore (92 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Ila 1351 Federal Credit Union leads on 5 and Bayou City Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.