Side-by-side · Q2 2026 data
Bank of the Sierra vs Tucoemas Federal Credit Union
Metric by metric
| Measure | Bank of the Sierra | Tucoemas Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 74 |
| Capital cushion | 72 (stronger) | 53 |
| Loan quality | 86 (stronger) | 58 |
| Earnings | 73 | 98 (stronger) |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 83rd | 63rd |
| Total assets | $3.7B | $332.0M |
| Deposits / shares | $2.9B | $298.5M |
| Capital ratio | 12.25% (stronger) | 10.34% |
| Problem loans | 0.43% (stronger) | 1.25% |
| Net charge-offs | 0.02% (stronger) | 2.51% |
| Return on assets | 1.33% | 1.96% (stronger) |
| Loans ÷ deposits | 82.9% | 49.7% (stronger) |
| Uninsured deposits | 27.9% | 4.3% (stronger) |
| Offices | 34 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of the Sierra has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Bank of the Sierra leads on 4 and Tucoemas Federal 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.