Side-by-side · Q2 2026 data
Central State Credit Union vs 1st Northern California Credit Union
Credit union
1st Northern California Credit Union
Martinez, California · $100 million – $1 billion
Metric by metric
| Measure | Central State Credit Union | 1st Northern California Credit Union |
|---|---|---|
| TellerScore | 65 | 79 (stronger) |
| Capital cushion | 40 | 68 (stronger) |
| Loan quality | 87 | 99 (stronger) |
| Earnings | 31 | 42 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 34th | 76th |
| Total assets | $258.2M | $829.0M |
| Deposits / shares | $211.3M | $720.1M |
| Capital ratio | 9.01% | 11.81% (stronger) |
| Problem loans | 0.40% | 0.03% (stronger) |
| Net charge-offs | 0.28% | 0.08% (stronger) |
| Return on assets | 0.28% | 0.55% (stronger) |
| Loans ÷ deposits | 40.8% (stronger) | 58.3% |
| Uninsured deposits | 6.2% (stronger) | 8.3% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
1st Northern California Credit Union has the higher TellerScore (79 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Central State Credit Union leads on 2 and 1st Northern California Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.