Side-by-side · Q2 2026 data
Rayne Building and Loan Association vs Bayou Federal Credit Union
Metric by metric
| Measure | Rayne Building and Loan Association | Bayou Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 84 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 80 | 90 (stronger) |
| Earnings | 0 | 47 (stronger) |
| Funding & liquidity | 90 (stronger) | 80 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 48th | 75th |
| Total assets | $50.8M | $82.5M |
| Deposits / shares | $36.1M | $69.0M |
| Capital ratio | 29.06% (stronger) | 15.91% |
| Problem loans | 0.61% | 0.30% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.24% |
| Return on assets | -1.32% | 0.67% (stronger) |
| Loans ÷ deposits | 70.7% (stronger) | 80.5% |
| Uninsured deposits | 6.0% | 4.4% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | — |
Bayou Federal Credit Union has the higher TellerScore (84 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Rayne Building and Loan Association leads on 3 and Bayou Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.