Side-by-side · Q2 2026 data
Spokane Media Federal Credit Union vs Bay Shore Credit Union
Metric by metric
| Measure | Spokane Media Federal Credit Union | Bay Shore Credit Union |
|---|---|---|
| TellerScore | 38 | 92 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 2 | 91 (stronger) |
| Earnings | 14 | 71 (stronger) |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 63 | 99 (stronger) |
| Peer percentile | 3rd | 92nd |
| Total assets | $16.6M | $48.2M |
| Deposits / shares | $14.9M | $38.7M |
| Capital ratio | 9.68% | 18.64% (stronger) |
| Problem loans | 2.93% | 0.27% (stronger) |
| Net charge-offs | 0.31% | -0.01% (stronger) |
| Return on assets | -0.16% | 1.27% (stronger) |
| Loans ÷ deposits | 66.7% | 50.4% (stronger) |
| Uninsured deposits | 0.9% (stronger) | 4.8% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Shore Credit Union has the higher TellerScore (92 vs 38). On the 7 directional measures above (where higher or lower is clearly better), Spokane Media Federal Credit Union leads on 1 and Bay Shore Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.