Side-by-side · Q2 2026 data
Wellspring Federal Credit Union vs Baycel Federal Credit Union
Credit union
Wellspring Federal Credit Union
Bridge City, Texas · Under $100 million in assets
Metric by metric
| Measure | Wellspring Federal Credit Union | Baycel Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 91 (stronger) |
| Capital cushion | 39 | 100 (stronger) |
| Loan quality | 76 (stronger) | 66 |
| Earnings | 48 | 100 (stronger) |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 23rd | 90th |
| Total assets | $91.8M | $92.2M |
| Deposits / shares | $82.3M | $71.9M |
| Capital ratio | 8.89% | 21.79% (stronger) |
| Problem loans | 0.71% (stronger) | 1.01% |
| Net charge-offs | 1.33% | 0.31% (stronger) |
| Return on assets | 0.71% | 2.50% (stronger) |
| Loans ÷ deposits | 81.0% | 49.8% (stronger) |
| Uninsured deposits | 3.4% | 2.5% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Baycel Federal Credit Union has the higher TellerScore (91 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Wellspring Federal Credit Union leads on 1 and Baycel Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.