Side-by-side · Q2 2026 data
Balboa Thrift and Loan Association vs San Diego County Credit Union
Bank
Balboa Thrift and Loan Association
Chula Vista, California · $100 million – $1 billion
Credit union
San Diego County Credit Union
San Diego, California · $1 billion – $10 billion
Metric by metric
| Measure | Balboa Thrift and Loan Association | San Diego County Credit Union |
|---|---|---|
| TellerScore | 48 | 86 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 62 | 93 (stronger) |
| Earnings | 0 | 42 (stronger) |
| Funding & liquidity | 49 | 94 (stronger) |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 6th | 95th |
| Total assets | $394.5M | $9.5B |
| Deposits / shares | $348.3M | $7.8B |
| Capital ratio | 10.61% | 19.82% (stronger) |
| Problem loans | 1.14% | 0.20% (stronger) |
| Net charge-offs | 2.49% | 0.09% (stronger) |
| Return on assets | -0.70% | 0.54% (stronger) |
| Loans ÷ deposits | 99.4% | 65.9% (stronger) |
| Uninsured deposits | 25.5% | 7.4% (stronger) |
| Offices | 4 | 25 |
| CFPB complaints (3 yrs) | — | 189 |
| Complaints per $1B deposits | — | 24.2 |
| Mortgage denial rate (HMDA) | — | 37.4% |
San Diego County Credit Union has the higher TellerScore (86 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Balboa Thrift and Loan Association leads on 0 and San Diego County Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.