Side-by-side · Q2 2026 data
Bakersfield City Employees Federal Credit Union vs Sun Pacific Federal Credit Union
Credit union
Bakersfield City Employees Federal Credit Union
Bakersfield, California · Under $100 million in assets
Credit union
Sun Pacific Federal Credit Union
Richmond, California · Under $100 million in assets
Metric by metric
| Measure | Bakersfield City Employees Federal Credit Union | Sun Pacific Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 81 (stronger) |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 99 (stronger) | 61 |
| Earnings | 35 | 58 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 59th | 68th |
| Total assets | $30.1M | $29.9M |
| Deposits / shares | $26.4M | $24.9M |
| Capital ratio | 12.10% | 20.51% (stronger) |
| Problem loans | 0.03% (stronger) | 1.16% |
| Net charge-offs | 0.15% (stronger) | 0.51% |
| Return on assets | 0.38% | 0.96% (stronger) |
| Loans ÷ deposits | 52.8% | 42.3% (stronger) |
| Uninsured deposits | 1.1% (stronger) | 8.3% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sun Pacific Federal Credit Union has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Bakersfield City Employees Federal Credit Union leads on 3 and Sun Pacific Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.