Side-by-side · Q2 2026 data
Bank of the Sierra vs Educational Employees Credit Union
Credit union
Educational Employees Credit Union
Fresno, California · $1 billion – $10 billion
Metric by metric
| Measure | Bank of the Sierra | Educational Employees Credit Union |
|---|---|---|
| TellerScore | 77 | 96 (stronger) |
| Capital cushion | 72 | 96 (stronger) |
| Loan quality | 86 | 93 (stronger) |
| Earnings | 73 | 94 (stronger) |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 83rd | 100th |
| Total assets | $3.7B | $5.4B |
| Deposits / shares | $2.9B | $4.6B |
| Capital ratio | 12.25% | 14.58% (stronger) |
| Problem loans | 0.43% | 0.20% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.48% |
| Return on assets | 1.33% | 1.84% (stronger) |
| Loans ÷ deposits | 82.9% | 50.2% (stronger) |
| Uninsured deposits | 27.9% | 3.9% (stronger) |
| Offices | 34 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 52.0% |
Educational Employees Credit Union has the higher TellerScore (96 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Bank of the Sierra leads on 1 and Educational Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.