Side-by-side · Q2 2026 data
Washington Trust Bank vs Bay Shore Credit Union
Metric by metric
| Measure | Washington Trust Bank | Bay Shore Credit Union |
|---|---|---|
| TellerScore | 60 | 92 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 76 | 91 (stronger) |
| Earnings | 67 | 71 (stronger) |
| Funding & liquidity | 30 | 100 (stronger) |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 29th | 92nd |
| Total assets | $10.5B | $48.2M |
| Deposits / shares | $8.8B | $38.7M |
| Capital ratio | 9.73% | 18.64% (stronger) |
| Problem loans | 0.73% | 0.27% (stronger) |
| Net charge-offs | 0.05% | -0.01% (stronger) |
| Return on assets | 1.19% | 1.27% (stronger) |
| Loans ÷ deposits | 82.9% | 50.4% (stronger) |
| Uninsured deposits | 57.3% | 4.8% (stronger) |
| Offices | 44 | 2 |
| CFPB complaints (3 yrs) | 19 | — |
| Complaints per $1B deposits | 2.2 | — |
| Mortgage denial rate (HMDA) | 22.5% | — |
Bay Shore Credit Union has the higher TellerScore (92 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Washington Trust Bank leads on 0 and Bay Shore Credit Union on 7. 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.