Side-by-side · Q2 2026 data
SouthStar Bank, S.S.B. vs Baycel Federal Credit Union
Metric by metric
| Measure | SouthStar Bank, S.S.B. | Baycel Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 91 (stronger) |
| Capital cushion | 83 | 100 (stronger) |
| Loan quality | 79 (stronger) | 66 |
| Earnings | 82 | 100 (stronger) |
| Funding & liquidity | 47 | 100 (stronger) |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 83rd | 90th |
| Total assets | $1.4B | $92.2M |
| Deposits / shares | $1.1B | $71.9M |
| Capital ratio | 13.28% | 21.79% (stronger) |
| Problem loans | 0.62% (stronger) | 1.01% |
| Net charge-offs | 0.07% (stronger) | 0.31% |
| Return on assets | 1.55% | 2.50% (stronger) |
| Loans ÷ deposits | 91.9% | 49.8% (stronger) |
| Uninsured deposits | 34.2% | 2.5% (stronger) |
| Offices | 16 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.5% | — |
Baycel Federal Credit Union has the higher TellerScore (91 vs 77). On the 7 directional measures above (where higher or lower is clearly better), SouthStar Bank, S.S.B. leads on 2 and Baycel Federal Credit Union on 5. 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.