Side-by-side · Q2 2026 data
California Pacific 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 | California Pacific Bank | San Francisco Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 86 (stronger) |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 0 | 95 (stronger) |
| Earnings | 96 (stronger) | 65 |
| Funding & liquidity | 22 | 91 (stronger) |
| Problem-loan coverage | 30 | 99 (stronger) |
| Peer percentile | 13th | 95th |
| Total assets | $102.6M | $1.6B |
| Deposits / shares | $59.2M | $1.2B |
| Capital ratio | 40.98% (stronger) | 13.63% |
| Problem loans | 15.93% | 0.15% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.13% |
| Return on assets | 1.90% (stronger) | 1.12% |
| Loans ÷ deposits | 134.1% | 69.1% (stronger) |
| Uninsured deposits | 40.0% | 8.5% (stronger) |
| Offices | 2 | 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 56). On the 7 directional measures above (where higher or lower is clearly better), California Pacific Bank leads on 3 and San Francisco Federal 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.