Side-by-side · Q2 2026 data
Capital Bank and Trust Company vs Santa Ana Federal Credit Union
Credit union
Santa Ana Federal Credit Union
Santa Ana, California · $100 million – $1 billion
Metric by metric
| Measure | Capital Bank and Trust Company | Santa Ana Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 90 |
| Capital cushion | 100 (stronger) | 85 |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 100 (stronger) | 81 |
| Funding & liquidity | 61 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 98th | 95th |
| Total assets | $266.1M | $111.6M |
| Deposits / shares | $500K | $95.7M |
| Capital ratio | 79.26% (stronger) | 13.47% |
| Problem loans | 0.00% (stronger) | 0.06% |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 81.14% (stronger) | 1.52% |
| Loans ÷ deposits | 0.0% (stronger) | 70.6% |
| Uninsured deposits | 50.0% | 4.3% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Capital Bank and Trust Company has the higher TellerScore (94 vs 90). On the 7 directional measures above (where higher or lower is clearly better), Capital Bank and Trust Company leads on 5 and Santa Ana Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.