Side-by-side · Q2 2026 data
American Riviera Bank vs Santa Barbara Teachers Federal Credit Union
Credit union
Santa Barbara Teachers Federal Credit Union
Santa Barbara, California · $100 million – $1 billion
Metric by metric
| Measure | American Riviera Bank | Santa Barbara Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 88 (stronger) |
| Capital cushion | 63 | 88 (stronger) |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 64 (stronger) | 56 |
| Funding & liquidity | 44 | 100 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 44th | 92nd |
| Total assets | $1.4B | $308.5M |
| Deposits / shares | $1.2B | $264.3M |
| Capital ratio | 11.25% | 13.82% (stronger) |
| Problem loans | 0.68% | 0.01% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.11% (stronger) | 0.91% |
| Loans ÷ deposits | 92.0% | 21.9% (stronger) |
| Uninsured deposits | 36.8% | 5.2% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | 5.9% |
Santa Barbara Teachers Federal Credit Union has the higher TellerScore (88 vs 67). On the 7 directional measures above (where higher or lower is clearly better), American Riviera Bank leads on 2 and Santa Barbara Teachers Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.