Side-by-side · Q2 2026 data
First State Bank and Trust 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 | First State Bank and Trust | Santa Barbara Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 88 (stronger) |
| Capital cushion | 36 | 88 (stronger) |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 67 (stronger) | 56 |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 31st | 92nd |
| Total assets | $514.9M | $308.5M |
| Deposits / shares | $457.6M | $264.3M |
| Capital ratio | 8.64% | 13.82% (stronger) |
| Problem loans | 0.48% | 0.01% (stronger) |
| Net charge-offs | 0.44% | 0.00% (stronger) |
| Return on assets | 1.18% (stronger) | 0.91% |
| Loans ÷ deposits | 72.7% | 21.9% (stronger) |
| Uninsured deposits | 20.3% | 5.2% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | 5.9% |
Santa Barbara Teachers Federal Credit Union has the higher TellerScore (88 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First State Bank and Trust leads on 1 and Santa Barbara Teachers Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.