Side-by-side · Q2 2026 data
Altos Bank vs San Mateo City Employees Federal Credit Union
Credit union
San Mateo City Employees Federal Credit Union
San Mateo, California · Under $100 million in assets
Metric by metric
| Measure | Altos Bank | San Mateo City Employees Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 87 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 | 100 |
| Earnings | 0 | 34 (stronger) |
| Funding & liquidity | 53 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 48th | 83rd |
| Total assets | $68.8M | $31.8M |
| Deposits / shares | $50.1M | $25.9M |
| Capital ratio | 28.45% (stronger) | 18.36% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% (stronger) | 1.53% |
| Return on assets | -8.50% | 0.34% (stronger) |
| Loans ÷ deposits | 76.3% | 18.2% (stronger) |
| Uninsured deposits | 43.0% | 12.7% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
San Mateo City Employees Federal Credit Union has the higher TellerScore (87 vs 73). On the 6 directional measures above (where higher or lower is clearly better), Altos Bank leads on 2 and San Mateo City Employees Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.