Side-by-side · Q2 2026 data
Southwest Research Center Federal Credit Union vs Baycel Federal Credit Union
Credit union
Southwest Research Center Federal Credit Union
San Antonio, Texas · Under $100 million in assets
Metric by metric
| Measure | Southwest Research Center Federal Credit Union | Baycel Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 91 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 83 (stronger) | 66 |
| Earnings | 67 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 62nd | 90th |
| Total assets | $87.6M | $92.2M |
| Deposits / shares | $77.7M | $71.9M |
| Capital ratio | 11.55% | 21.79% (stronger) |
| Problem loans | 0.50% (stronger) | 1.01% |
| Net charge-offs | 0.23% (stronger) | 0.31% |
| Return on assets | 1.16% | 2.50% (stronger) |
| Loans ÷ deposits | 54.2% | 49.8% (stronger) |
| Uninsured deposits | 2.5% (stronger) | 2.5% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Baycel Federal Credit Union has the higher TellerScore (91 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Southwest Research Center Federal Credit Union leads on 3 and Baycel Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.