Side-by-side · Q2 2026 data
Pointbank vs Baton Rouge City Parish Emp Federal Credit Union
Credit union
Baton Rouge City Parish Emp Federal Credit Union
Baton Rouge, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Pointbank | Baton Rouge City Parish Emp Federal Credit Union |
|---|---|---|
| TellerScore | 53 | 96 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 41 | 89 (stronger) |
| Earnings | 58 | 93 (stronger) |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 77 | 99 (stronger) |
| Peer percentile | 11th | 97th |
| Total assets | $1.2B | $58.2M |
| Deposits / shares | $968.3M | $45.2M |
| Capital ratio | 8.99% | 21.98% (stronger) |
| Problem loans | 1.77% | 0.33% (stronger) |
| Net charge-offs | 0.10% | 0.09% (stronger) |
| Return on assets | 0.95% | 1.83% (stronger) |
| Loans ÷ deposits | 60.2% | 43.1% (stronger) |
| Uninsured deposits | 35.0% | 0.8% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | — |
Baton Rouge City Parish Emp Federal Credit Union has the higher TellerScore (96 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Pointbank leads on 0 and Baton Rouge City Parish Emp Federal Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.