Side-by-side · Q2 2026 data
Bank of the Sierra vs Safe 1 Credit Union
Metric by metric
| Measure | Bank of the Sierra | Safe 1 Credit Union |
|---|---|---|
| TellerScore | 77 | 90 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 86 | 88 (stronger) |
| Earnings | 73 | 90 (stronger) |
| Funding & liquidity | 63 | 68 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 83rd | 98th |
| Total assets | $3.7B | $1.2B |
| Deposits / shares | $2.9B | $963.8M |
| Capital ratio | 12.25% | 16.03% (stronger) |
| Problem loans | 0.43% | 0.37% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.40% |
| Return on assets | 1.33% | 1.74% (stronger) |
| Loans ÷ deposits | 82.9% (stronger) | 92.4% |
| Uninsured deposits | 27.9% | 1.8% (stronger) |
| Offices | 34 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.3% |
Safe 1 Credit Union has the higher TellerScore (90 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Bank of the Sierra leads on 2 and Safe 1 Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Bakersfield, CA
- Porterville, CA
- Delano, CA
- Tehachapi, CA