Side-by-side · Q2 2026 data
Beneficial State Bank vs Sea West Coast Guard Federal Credit Union
Credit union
Sea West Coast Guard Federal Credit Union
Oakland, California · $100 million – $1 billion
Metric by metric
| Measure | Beneficial State Bank | Sea West Coast Guard Federal Credit Union |
|---|---|---|
| TellerScore | 43 | 83 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 16 | 100 (stronger) |
| Earnings | 26 | 29 (stronger) |
| Funding & liquidity | 56 | 79 (stronger) |
| Problem-loan coverage | 64 | 100 (stronger) |
| Peer percentile | 3rd | 83rd |
| Total assets | $2.0B | $377.9M |
| Deposits / shares | $1.7B | $299.9M |
| Capital ratio | 11.22% | 20.17% (stronger) |
| Problem loans | 2.53% | 0.01% (stronger) |
| Net charge-offs | 0.75% | 0.06% (stronger) |
| Return on assets | 0.14% | 0.22% (stronger) |
| Loans ÷ deposits | 89.3% | 79.4% (stronger) |
| Uninsured deposits | 28.6% | 16.3% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.8% |
Sea West Coast Guard Federal Credit Union has the higher TellerScore (83 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Beneficial State Bank leads on 0 and Sea West Coast Guard Federal Credit Union on 7. 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.