Side-by-side · Q2 2026 data
Smw 104 Federal Credit Union vs Bay Cities Credit Union
Credit union
Smw 104 Federal Credit Union
Livermore, California · $100 million – $1 billion
Metric by metric
| Measure | Smw 104 Federal Credit Union | Bay Cities Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 77 |
| Capital cushion | 77 | 77 |
| Loan quality | 89 (stronger) | 71 |
| Earnings | 95 (stronger) | 59 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 94th | 57th |
| Total assets | $117.9M | $77.6M |
| Deposits / shares | $102.4M | $67.4M |
| Capital ratio | 12.65% | 12.70% (stronger) |
| Problem loans | 0.32% (stronger) | 0.86% |
| Net charge-offs | 0.44% (stronger) | 0.83% |
| Return on assets | 1.88% (stronger) | 0.99% |
| Loans ÷ deposits | 53.2% | 45.5% (stronger) |
| Uninsured deposits | 1.7% (stronger) | 5.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Smw 104 Federal Credit Union has the higher TellerScore (89 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Smw 104 Federal Credit Union leads on 5 and Bay Cities Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.