Side-by-side · Q2 2026 data
Memorial Credit Union vs Baylor Health Care System Credit Union
Credit union
Baylor Health Care System Credit Union
Dallas, Texas · Under $100 million in assets
Metric by metric
| Measure | Memorial Credit Union | Baylor Health Care System Credit Union |
|---|---|---|
| TellerScore | 62 | 76 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 78 (stronger) | 49 |
| Earnings | 21 | 46 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 90 | 94 (stronger) |
| Peer percentile | 24th | 54th |
| Total assets | $84.2M | $80.6M |
| Deposits / shares | $74.3M | $62.0M |
| Capital ratio | 11.14% | 21.91% (stronger) |
| Problem loans | 0.66% (stronger) | 1.54% |
| Net charge-offs | 0.61% | 0.53% (stronger) |
| Return on assets | 0.02% | 0.66% (stronger) |
| Loans ÷ deposits | 89.8% | 53.6% (stronger) |
| Uninsured deposits | 2.5% (stronger) | 3.9% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Baylor Health Care System Credit Union has the higher TellerScore (76 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Memorial Credit Union leads on 2 and Baylor Health Care System Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.