Side-by-side · Q2 2026 data
Bank of America California, National Association vs San Francisco Federal Credit Union
Bank
Bank of America California, National Association
San Francisco, California · $10 billion – $100 billion
Credit union
San Francisco Federal Credit Union
San Francisco, California · $1 billion – $10 billion
Metric by metric
| Measure | Bank of America California, National Association | San Francisco Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 86 (stronger) |
| Capital cushion | 74 | 86 (stronger) |
| Loan quality | 78 | 95 (stronger) |
| Earnings | 51 | 65 (stronger) |
| Funding & liquidity | 84 | 91 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 87th | 95th |
| Total assets | $14.8B | $1.6B |
| Deposits / shares | $12.3B | $1.2B |
| Capital ratio | 12.41% | 13.63% (stronger) |
| Problem loans | 0.66% | 0.15% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.13% |
| Return on assets | 0.77% | 1.12% (stronger) |
| Loans ÷ deposits | 76.6% | 69.1% (stronger) |
| Uninsured deposits | 6.2% (stronger) | 8.5% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
San Francisco Federal Credit Union has the higher TellerScore (86 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Bank of America California, National Association leads on 2 and San Francisco Federal Credit Union on 5. 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.