Side-by-side · Q2 2026 data
Befit Financial Federal Credit Union vs Redwood Credit Union
Credit union
Befit Financial Federal Credit Union
Vacaville, California · Under $100 million in assets
Metric by metric
| Measure | Befit Financial Federal Credit Union | Redwood Credit Union |
|---|---|---|
| TellerScore | 60 | 78 (stronger) |
| Capital cushion | 50 | 83 (stronger) |
| Loan quality | 60 | 76 (stronger) |
| Earnings | 32 | 73 (stronger) |
| Funding & liquidity | 100 (stronger) | 69 |
| Problem-loan coverage | 88 | 91 (stronger) |
| Peer percentile | 22nd | 88th |
| Total assets | $38.2M | $10.7B |
| Deposits / shares | $34.1M | $9.3B |
| Capital ratio | 10.02% | 13.26% (stronger) |
| Problem loans | 1.20% | 0.72% (stronger) |
| Net charge-offs | 0.25% (stronger) | 0.73% |
| Return on assets | 0.30% | 1.34% (stronger) |
| Loans ÷ deposits | 55.7% (stronger) | 91.4% |
| Uninsured deposits | 5.2% (stronger) | 12.8% |
| Offices | 1 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Redwood Credit Union has the higher TellerScore (78 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Befit Financial Federal Credit Union leads on 3 and Redwood Credit Union on 4. 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.