Side-by-side · Q2 2026 data
Beacon Business Bank, National Association vs San Francisco Federal Credit Union
Bank
Beacon Business Bank, National Association
San Francisco, California · $100 million – $1 billion
Credit union
San Francisco Federal Credit Union
San Francisco, California · $1 billion – $10 billion
Metric by metric
| Measure | Beacon Business Bank, National Association | San Francisco Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 86 (stronger) |
| Capital cushion | 66 | 86 (stronger) |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 31 | 65 (stronger) |
| Funding & liquidity | 51 | 91 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 40th | 95th |
| Total assets | $164.4M | $1.6B |
| Deposits / shares | $134.2M | $1.2B |
| Capital ratio | 11.63% | 13.63% (stronger) |
| Problem loans | 0.00% (stronger) | 0.15% |
| Net charge-offs | 0.00% (stronger) | 0.13% |
| Return on assets | 0.28% | 1.12% (stronger) |
| Loans ÷ deposits | 85.6% | 69.1% (stronger) |
| Uninsured deposits | 36.5% | 8.5% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
San Francisco Federal Credit Union has the higher TellerScore (86 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Beacon Business Bank, National Association leads on 2 and San Francisco 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.