Side-by-side · Q2 2026 data
Bank of the Sierra vs Families and Schools Together Federal Credit Union
Credit union
Families and Schools Together Federal Credit Union
Hanford, California · $100 million – $1 billion
Metric by metric
| Measure | Bank of the Sierra | Families and Schools Together Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 92 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 86 | 88 (stronger) |
| Earnings | 73 | 100 (stronger) |
| Funding & liquidity | 63 | 67 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 83rd | 97th |
| Total assets | $3.7B | $329.6M |
| Deposits / shares | $2.9B | $260.3M |
| Capital ratio | 12.25% | 20.04% (stronger) |
| Problem loans | 0.43% | 0.37% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.30% |
| Return on assets | 1.33% | 2.52% (stronger) |
| Loans ÷ deposits | 82.9% (stronger) | 93.2% |
| Uninsured deposits | 27.9% | 12.6% (stronger) |
| Offices | 34 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 41.3% |
Families and Schools Together Federal Credit Union has the higher TellerScore (92 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Bank of the Sierra leads on 2 and Families and Schools Together 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.