Side-by-side · Q2 2026 data
Ohio Healthcare Federal Credit Union vs Bay Area Credit Union
Metric by metric
| Measure | Ohio Healthcare Federal Credit Union | Bay Area Credit Union |
|---|---|---|
| TellerScore | 61 | 68 (stronger) |
| Capital cushion | 47 | 66 (stronger) |
| Loan quality | 76 (stronger) | 60 |
| Earnings | 21 | 48 (stronger) |
| Funding & liquidity | 99 | 100 (stronger) |
| Problem-loan coverage | 92 (stronger) | 90 |
| Peer percentile | 24th | 45th |
| Total assets | $108.2M | $107.9M |
| Deposits / shares | $98.0M | $93.8M |
| Capital ratio | 9.66% | 11.60% (stronger) |
| Problem loans | 0.72% (stronger) | 1.21% |
| Net charge-offs | 0.19% (stronger) | 0.22% |
| Return on assets | 0.03% | 0.69% (stronger) |
| Loans ÷ deposits | 61.5% | 53.4% (stronger) |
| Uninsured deposits | 3.7% (stronger) | 3.7% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Area Credit Union has the higher TellerScore (68 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Ohio Healthcare Federal Credit Union leads on 3 and Bay Area Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.