Side-by-side · Q2 2026 data
Southern Federal Credit Union vs Baylor Health Care System Credit Union
Credit union
Baylor Health Care System Credit Union
Dallas, Texas · Under $100 million in assets
Metric by metric
| Measure | Southern Federal Credit Union | Baylor Health Care System Credit Union |
|---|---|---|
| TellerScore | 70 | 76 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 30 | 49 (stronger) |
| Earnings | 48 (stronger) | 46 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 40th | 54th |
| Total assets | $76.4M | $80.6M |
| Deposits / shares | $42.3M | $62.0M |
| Capital ratio | 44.47% (stronger) | 21.91% |
| Problem loans | 2.09% | 1.54% (stronger) |
| Net charge-offs | 3.46% | 0.53% (stronger) |
| Return on assets | 0.70% (stronger) | 0.66% |
| Loans ÷ deposits | 70.7% | 53.6% (stronger) |
| Uninsured deposits | 6.7% | 3.9% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Baylor Health Care System Credit Union has the higher TellerScore (76 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Southern Federal Credit Union leads on 2 and Baylor Health Care System Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.