Side-by-side · Q2 2026 data
Beneficial State Bank vs San Francisco Federal Credit Union
Credit union
San Francisco Federal Credit Union
San Francisco, California · $1 billion – $10 billion
Metric by metric
| Measure | Beneficial State Bank | San Francisco Federal Credit Union |
|---|---|---|
| TellerScore | 43 | 86 (stronger) |
| Capital cushion | 62 | 86 (stronger) |
| Loan quality | 16 | 95 (stronger) |
| Earnings | 26 | 65 (stronger) |
| Funding & liquidity | 56 | 91 (stronger) |
| Problem-loan coverage | 64 | 99 (stronger) |
| Peer percentile | 3rd | 95th |
| Total assets | $2.0B | $1.6B |
| Deposits / shares | $1.7B | $1.2B |
| Capital ratio | 11.22% | 13.63% (stronger) |
| Problem loans | 2.53% | 0.15% (stronger) |
| Net charge-offs | 0.75% | 0.13% (stronger) |
| Return on assets | 0.14% | 1.12% (stronger) |
| Loans ÷ deposits | 89.3% | 69.1% (stronger) |
| Uninsured deposits | 28.6% | 8.5% (stronger) |
| Offices | 7 | 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 43). On the 7 directional measures above (where higher or lower is clearly better), Beneficial State Bank leads on 0 and San Francisco Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.