Side-by-side · Q2 2026 data
Meritus Federal Credit Union vs Bayou Federal Credit Union
Metric by metric
| Measure | Meritus Federal Credit Union | Bayou Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 84 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 78 | 90 (stronger) |
| Earnings | 14 | 47 (stronger) |
| Funding & liquidity | 81 (stronger) | 80 |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 45th | 75th |
| Total assets | $246.0M | $82.5M |
| Deposits / shares | $208.8M | $69.0M |
| Capital ratio | 13.24% | 15.91% (stronger) |
| Problem loans | 0.67% | 0.30% (stronger) |
| Net charge-offs | 0.82% | 0.24% (stronger) |
| Return on assets | -0.15% | 0.67% (stronger) |
| Loans ÷ deposits | 79.2% (stronger) | 80.5% |
| Uninsured deposits | 1.1% (stronger) | 4.4% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.1% | — |
Bayou Federal Credit Union has the higher TellerScore (84 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Meritus Federal Credit Union leads on 2 and Bayou Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.