Side-by-side · Q2 2026 data
Polam Federal Credit Union vs Bay Cities Credit Union
Credit union
Polam Federal Credit Union
Redwood City, California · Under $100 million in assets
Metric by metric
| Measure | Polam Federal Credit Union | Bay Cities Credit Union |
|---|---|---|
| TellerScore | 43 | 77 (stronger) |
| Capital cushion | 86 (stronger) | 77 |
| Loan quality | 3 | 71 (stronger) |
| Earnings | 0 | 59 (stronger) |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 66 | 95 (stronger) |
| Peer percentile | 4th | 57th |
| Total assets | $72.8M | $77.6M |
| Deposits / shares | $62.5M | $67.4M |
| Capital ratio | 13.63% (stronger) | 12.70% |
| Problem loans | 2.92% | 0.86% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.83% |
| Return on assets | -0.62% | 0.99% (stronger) |
| Loans ÷ deposits | 91.9% | 45.5% (stronger) |
| Uninsured deposits | 12.8% | 5.3% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Cities Credit Union has the higher TellerScore (77 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Polam Federal Credit Union leads on 2 and Bay Cities Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.