Side-by-side · Q2 2026 data
Bank of Stockton vs 1st Northern California Credit Union
Credit union
1st Northern California Credit Union
Martinez, California · $100 million – $1 billion
Metric by metric
| Measure | Bank of Stockton | 1st Northern California Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 97 | 99 (stronger) |
| Earnings | 100 (stronger) | 42 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 100th | 76th |
| Total assets | $5.0B | $829.0M |
| Deposits / shares | $3.8B | $720.1M |
| Capital ratio | 19.95% (stronger) | 11.81% |
| Problem loans | 0.08% | 0.03% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.08% |
| Return on assets | 6.08% (stronger) | 0.55% |
| Loans ÷ deposits | 63.2% | 58.3% (stronger) |
| Uninsured deposits | 45.2% | 8.3% (stronger) |
| Offices | 21 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.2% | — |
Bank of Stockton has the higher TellerScore (94 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Bank of Stockton leads on 4 and 1st Northern California Credit Union on 3. 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.