Side-by-side · Q2 2026 data
Exchange Bank vs Sea West Coast Guard Federal Credit Union
Credit union
Sea West Coast Guard Federal Credit Union
Oakland, California · $100 million – $1 billion
Metric by metric
| Measure | Exchange Bank | Sea West Coast Guard Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 83 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 56 (stronger) | 29 |
| Funding & liquidity | 86 (stronger) | 79 |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 83rd | 83rd |
| Total assets | $3.2B | $377.9M |
| Deposits / shares | $2.8B | $299.9M |
| Capital ratio | 12.64% | 20.17% (stronger) |
| Problem loans | 0.55% | 0.01% (stronger) |
| Net charge-offs | 0.52% | 0.06% (stronger) |
| Return on assets | 0.91% (stronger) | 0.22% |
| Loans ÷ deposits | 62.7% (stronger) | 79.4% |
| Uninsured deposits | 25.9% | 16.3% (stronger) |
| Offices | 18 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.5% | 26.8% |
Sea West Coast Guard Federal Credit Union has the higher TellerScore (83 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank leads on 2 and Sea West Coast Guard Federal Credit Union on 5. 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.