Side-by-side · Q2 2026 data
Delta Schools Federal Credit Union vs Pacific Service Credit Union
Credit union
Delta Schools Federal Credit Union
Antioch, California · Under $100 million in assets
Metric by metric
| Measure | Delta Schools Federal Credit Union | Pacific Service Credit Union |
|---|---|---|
| TellerScore | 81 | 82 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 67 (stronger) | 50 |
| Funding & liquidity | 100 (stronger) | 70 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 68th | 91st |
| Total assets | $66.5M | $1.3B |
| Deposits / shares | $59.0M | $1.1B |
| Capital ratio | 10.74% | 15.54% (stronger) |
| Problem loans | 0.00% (stronger) | 0.35% |
| Net charge-offs | 0.05% (stronger) | 0.58% |
| Return on assets | 1.18% (stronger) | 0.76% |
| Loans ÷ deposits | 49.9% (stronger) | 90.6% |
| Uninsured deposits | 0.9% (stronger) | 4.5% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.9% |
Pacific Service Credit Union has the higher TellerScore (82 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Delta Schools Federal Credit Union leads on 5 and Pacific Service Credit Union on 2. 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.