Side-by-side · Q2 2026 data
Nikkei Credit Union vs Bay Cities Credit Union
Metric by metric
| Measure | Nikkei Credit Union | Bay Cities Credit Union |
|---|---|---|
| TellerScore | 53 | 77 (stronger) |
| Capital cushion | 92 (stronger) | 77 |
| Loan quality | 10 | 71 (stronger) |
| Earnings | 25 | 59 (stronger) |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 58 | 95 (stronger) |
| Peer percentile | 12th | 57th |
| Total assets | $81.5M | $77.6M |
| Deposits / shares | $69.6M | $67.4M |
| Capital ratio | 14.23% (stronger) | 12.70% |
| Problem loans | 2.69% | 0.86% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.83% |
| Return on assets | 0.13% | 0.99% (stronger) |
| Loans ÷ deposits | 82.5% | 45.5% (stronger) |
| Uninsured deposits | 0.7% (stronger) | 5.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Bay Cities Credit Union has the higher TellerScore (77 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Nikkei Credit Union leads on 3 and Bay Cities Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.