Side-by-side · Q2 2026 data
Bopti Federal Credit Union vs Escondido Federal Credit Union
Credit union
Escondido Federal Credit Union
Escondido, California · Under $100 million in assets
Metric by metric
| Measure | Bopti Federal Credit Union | Escondido Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 89 (stronger) |
| Capital cushion | 100 (stronger) | 87 |
| Loan quality | 49 | 98 (stronger) |
| Earnings | 48 | 67 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 54th | 87th |
| Total assets | $63.3M | $66.8M |
| Deposits / shares | $47.1M | $57.4M |
| Capital ratio | 24.75% (stronger) | 13.67% |
| Problem loans | 1.52% | 0.06% (stronger) |
| Net charge-offs | 1.68% | 0.19% (stronger) |
| Return on assets | 0.69% | 1.17% (stronger) |
| Loans ÷ deposits | 41.8% | 39.3% (stronger) |
| Uninsured deposits | 8.1% | 8.0% (stronger) |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Escondido Federal Credit Union has the higher TellerScore (89 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Bopti Federal Credit Union leads on 1 and Escondido Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.