Side-by-side · Q2 2026 data
Bank of the Orient 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 the Orient | San Mateo City Employees Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 87 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 28 | 100 (stronger) |
| Earnings | 50 (stronger) | 34 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 72 | 100 (stronger) |
| Peer percentile | 12th | 83rd |
| Total assets | $1.2B | $31.8M |
| Deposits / shares | $1.1B | $25.9M |
| Capital ratio | 11.65% | 18.36% (stronger) |
| Problem loans | 2.16% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 1.53% |
| Return on assets | 0.76% (stronger) | 0.34% |
| Loans ÷ deposits | 93.0% | 18.2% (stronger) |
| Uninsured deposits | 18.5% | 12.7% (stronger) |
| Offices | 9 | 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 54). On the 7 directional measures above (where higher or lower is clearly better), Bank of the Orient 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.