Side-by-side · Q1 2026 data
State Bank Northwest vs Bay Shore Credit Union
Metric by metric
| Measure | State Bank Northwest | Bay Shore Credit Union |
|---|---|---|
| TellerScore | 91 | 92 (stronger) |
| Capital cushion | 92 | 100 (stronger) |
| Loan quality | 98 (stronger) | 91 |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 96th | 92nd |
| Total assets | $223.0M | $48.2M |
| Deposits / shares | $185.4M | $38.7M |
| Capital ratio | 14.16% | 18.64% (stronger) |
| Problem loans | 0.05% (stronger) | 0.27% |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 2.40% (stronger) | 1.27% |
| Loans ÷ deposits | 85.1% | 50.4% (stronger) |
| Uninsured deposits | 30.8% | 4.8% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Shore Credit Union has the higher TellerScore (92 vs 91). On the 7 directional measures above (where higher or lower is clearly better), State Bank Northwest leads on 2 and Bay Shore Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.