Side-by-side · Q2 2026 data
Bank of the Sierra vs Ventura County Credit Union
Metric by metric
| Measure | Bank of the Sierra | Ventura County Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 47 |
| Capital cushion | 72 (stronger) | 51 |
| Loan quality | 86 (stronger) | 0 |
| Earnings | 73 (stronger) | 68 |
| Funding & liquidity | 63 | 82 (stronger) |
| Problem-loan coverage | 96 (stronger) | 57 |
| Peer percentile | 83rd | 4th |
| Total assets | $3.7B | $1.5B |
| Deposits / shares | $2.9B | $1.3B |
| Capital ratio | 12.25% (stronger) | 10.14% |
| Problem loans | 0.43% (stronger) | 3.17% |
| Net charge-offs | 0.02% (stronger) | 0.44% |
| Return on assets | 1.33% (stronger) | 1.21% |
| Loans ÷ deposits | 82.9% | 78.2% (stronger) |
| Uninsured deposits | 27.9% | 9.5% (stronger) |
| Offices | 34 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.6% |
Bank of the Sierra has the higher TellerScore (77 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Bank of the Sierra leads on 5 and Ventura County Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.