Side-by-side · Q2 2026 data
California Pacific 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 | California Pacific Bank | San Mateo City Employees Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 87 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 96 (stronger) | 34 |
| Funding & liquidity | 22 | 100 (stronger) |
| Problem-loan coverage | 30 | 100 (stronger) |
| Peer percentile | 13th | 83rd |
| Total assets | $102.6M | $31.8M |
| Deposits / shares | $59.2M | $25.9M |
| Capital ratio | 40.98% (stronger) | 18.36% |
| Problem loans | 15.93% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 1.53% |
| Return on assets | 1.90% (stronger) | 0.34% |
| Loans ÷ deposits | 134.1% | 18.2% (stronger) |
| Uninsured deposits | 40.0% | 12.7% (stronger) |
| Offices | 2 | 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 56). On the 7 directional measures above (where higher or lower is clearly better), California Pacific Bank leads on 3 and San Mateo City Employees Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.