Side-by-side · Q2 2026 data
Modesto'S First Federal Credit Union vs Bay Cities Credit Union
Credit union
Modesto'S First Federal Credit Union
Modesto, California · Under $100 million in assets
Metric by metric
| Measure | Modesto'S First Federal Credit Union | Bay Cities Credit Union |
|---|---|---|
| TellerScore | 59 | 77 (stronger) |
| Capital cushion | 38 | 77 (stronger) |
| Loan quality | 67 | 71 (stronger) |
| Earnings | 55 | 59 (stronger) |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 82 | 95 (stronger) |
| Peer percentile | 20th | 57th |
| Total assets | $74.2M | $77.6M |
| Deposits / shares | $67.3M | $67.4M |
| Capital ratio | 8.83% | 12.70% (stronger) |
| Problem loans | 0.99% | 0.86% (stronger) |
| Net charge-offs | 0.69% (stronger) | 0.83% |
| Return on assets | 0.88% | 0.99% (stronger) |
| Loans ÷ deposits | 82.0% | 45.5% (stronger) |
| Uninsured deposits | 14.3% | 5.3% (stronger) |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Cities Credit Union has the higher TellerScore (77 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Modesto'S First Federal Credit Union leads on 1 and Bay Cities Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.