Side-by-side · Q2 2026 data
Pacific Valley Bank vs Bay Federal Credit Union
Metric by metric
| Measure | Pacific Valley Bank | Bay Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 71 (stronger) |
| Capital cushion | 76 (stronger) | 49 |
| Loan quality | 92 (stronger) | 90 |
| Earnings | 55 | 55 |
| Funding & liquidity | 26 | 90 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 43rd | 62nd |
| Total assets | $653.3M | $1.9B |
| Deposits / shares | $570.5M | $1.7B |
| Capital ratio | 12.60% (stronger) | 9.85% |
| Problem loans | 0.24% (stronger) | 0.31% |
| Net charge-offs | -0.02% (stronger) | 0.40% |
| Return on assets | 0.87% (stronger) | 0.86% |
| Loans ÷ deposits | 94.5% | 70.5% (stronger) |
| Uninsured deposits | 50.7% | 8.2% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Federal Credit Union has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Pacific Valley Bank leads on 4 and Bay Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.