Side-by-side · Q2 2026 data
Westex Federal Credit Union vs Baycel Federal Credit Union
Metric by metric
| Measure | Westex Federal Credit Union | Baycel Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 91 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 39 | 66 (stronger) |
| Earnings | 29 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 11th | 90th |
| Total assets | $88.9M | $92.2M |
| Deposits / shares | $79.4M | $71.9M |
| Capital ratio | 9.31% | 21.79% (stronger) |
| Problem loans | 1.84% | 1.01% (stronger) |
| Net charge-offs | 0.42% | 0.31% (stronger) |
| Return on assets | 0.22% | 2.50% (stronger) |
| Loans ÷ deposits | 26.6% (stronger) | 49.8% |
| Uninsured deposits | 1.4% (stronger) | 2.5% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Baycel Federal Credit Union has the higher TellerScore (91 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Westex Federal Credit Union leads on 2 and Baycel Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.