Side-by-side · Q2 2026 data
Community Bank of Santa Maria vs Santa Barbara Teachers Federal Credit Union
Credit union
Santa Barbara Teachers Federal Credit Union
Santa Barbara, California · $100 million – $1 billion
Metric by metric
| Measure | Community Bank of Santa Maria | Santa Barbara Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 88 (stronger) |
| Capital cushion | 55 | 88 (stronger) |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 63 (stronger) | 56 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 50th | 92nd |
| Total assets | $396.5M | $308.5M |
| Deposits / shares | $350.4M | $264.3M |
| Capital ratio | 10.49% | 13.82% (stronger) |
| Problem loans | 0.15% | 0.01% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.07% (stronger) | 0.91% |
| Loans ÷ deposits | 83.5% | 21.9% (stronger) |
| Uninsured deposits | 27.0% | 5.2% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.9% |
Santa Barbara Teachers Federal Credit Union has the higher TellerScore (88 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Community Bank of Santa Maria leads on 2 and Santa Barbara Teachers Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.