Side-by-side · Q2 2026 data
Exchange Bank vs Sonoma Federal Credit Union
Metric by metric
| Measure | Exchange Bank | Sonoma Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 83 (stronger) |
| Capital cushion | 76 | 85 (stronger) |
| Loan quality | 82 (stronger) | 79 |
| Earnings | 56 | 87 (stronger) |
| Funding & liquidity | 86 (stronger) | 77 |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 83rd | 72nd |
| Total assets | $3.2B | $80.0M |
| Deposits / shares | $2.8B | $69.0M |
| Capital ratio | 12.64% | 13.50% (stronger) |
| Problem loans | 0.55% (stronger) | 0.63% |
| Net charge-offs | 0.52% | 0.00% (stronger) |
| Return on assets | 0.91% | 1.67% (stronger) |
| Loans ÷ deposits | 62.7% (stronger) | 82.2% |
| Uninsured deposits | 25.9% | 16.1% (stronger) |
| Offices | 18 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.5% | 42.3% |
Sonoma 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 Sonoma 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.