Side-by-side · Q2 2026 data
Bank of San Francisco 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 | Bank of San Francisco | San Mateo City Employees Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 87 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 57 (stronger) | 34 |
| Funding & liquidity | 31 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 37th | 83rd |
| Total assets | $863.6M | $31.8M |
| Deposits / shares | $740.7M | $25.9M |
| Capital ratio | 10.92% | 18.36% (stronger) |
| Problem loans | 0.09% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 1.53% |
| Return on assets | 0.93% (stronger) | 0.34% |
| Loans ÷ deposits | 92.8% | 18.2% (stronger) |
| Uninsured deposits | 47.6% | 12.7% (stronger) |
| Offices | 2 | 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 68). On the 7 directional measures above (where higher or lower is clearly better), Bank of San Francisco leads on 2 and San Mateo City Employees 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.