Side-by-side · Q2 2026 data
Rayne State Bank & Trust Company vs Bayou Federal Credit Union
Metric by metric
| Measure | Rayne State Bank & Trust Company | Bayou Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 84 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 85 | 90 (stronger) |
| Earnings | 100 (stronger) | 47 |
| Funding & liquidity | 58 | 80 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 75th | 75th |
| Total assets | $540.5M | $82.5M |
| Deposits / shares | $480.0M | $69.0M |
| Capital ratio | 11.58% | 15.91% (stronger) |
| Problem loans | 0.44% | 0.30% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.24% |
| Return on assets | 2.09% (stronger) | 0.67% |
| Loans ÷ deposits | 72.6% (stronger) | 80.5% |
| Uninsured deposits | 41.4% | 4.4% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | — |
Bayou Federal Credit Union has the higher TellerScore (84 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Rayne State Bank & Trust Company leads on 3 and Bayou Federal Credit Union on 4. 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.