Side-by-side · Q2 2026 data
West Coast Community Bank vs Bay Federal Credit Union
Metric by metric
| Measure | West Coast Community Bank | Bay Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 71 |
| Capital cushion | 70 (stronger) | 49 |
| Loan quality | 83 | 90 (stronger) |
| Earnings | 100 (stronger) | 55 |
| Funding & liquidity | 26 | 90 (stronger) |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 77th | 62nd |
| Total assets | $2.9B | $1.9B |
| Deposits / shares | $2.5B | $1.7B |
| Capital ratio | 12.05% (stronger) | 9.85% |
| Problem loans | 0.50% | 0.31% (stronger) |
| Net charge-offs | 0.39% (stronger) | 0.40% |
| Return on assets | 2.02% (stronger) | 0.86% |
| Loans ÷ deposits | 88.6% | 70.5% (stronger) |
| Uninsured deposits | 56.3% | 8.2% (stronger) |
| Offices | 11 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Coast Community Bank has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), West Coast Community Bank leads on 4 and Bay Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Aptos, CA
- Capitola, CA
- Santa Cruz, CA
- Scotts Valley, CA
- Watsonville, CA