Side-by-side · Q2 2026 data
Beneficial State Bank vs San Mateo City Employees Federal Credit Union
Credit union
San Mateo City Employees Federal Credit Union
San Mateo, California · Under $100 million in assets
Metric by metric
| Measure | Beneficial State Bank | San Mateo City Employees Federal Credit Union |
|---|---|---|
| TellerScore | 43 | 87 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 16 | 100 (stronger) |
| Earnings | 26 | 34 (stronger) |
| Funding & liquidity | 56 | 100 (stronger) |
| Problem-loan coverage | 64 | 100 (stronger) |
| Peer percentile | 3rd | 83rd |
| Total assets | $2.0B | $31.8M |
| Deposits / shares | $1.7B | $25.9M |
| Capital ratio | 11.22% | 18.36% (stronger) |
| Problem loans | 2.53% | 0.00% (stronger) |
| Net charge-offs | 0.75% (stronger) | 1.53% |
| Return on assets | 0.14% | 0.34% (stronger) |
| Loans ÷ deposits | 89.3% | 18.2% (stronger) |
| Uninsured deposits | 28.6% | 12.7% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
San Mateo City Employees Federal Credit Union has the higher TellerScore (87 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Beneficial State Bank leads on 1 and San Mateo City Employees Federal Credit Union on 6. 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.