Side-by-side · Q2 2026 data
First State Bank of San Diego vs Chemcel Federal Credit Union
Metric by metric
| Measure | First State Bank of San Diego | Chemcel Federal Credit Union |
|---|---|---|
| TellerScore | 36 | 74 (stronger) |
| Capital cushion | 40 | 71 (stronger) |
| Loan quality | 12 | 75 (stronger) |
| Earnings | 0 | 52 (stronger) |
| Funding & liquidity | 85 | 96 (stronger) |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 2nd | 63rd |
| Total assets | $68.2M | $184.0M |
| Deposits / shares | $61.9M | $159.9M |
| Capital ratio | 9.02% | 12.11% (stronger) |
| Problem loans | 2.65% | 0.75% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.82% |
| Return on assets | -0.55% | 0.80% (stronger) |
| Loans ÷ deposits | 24.1% (stronger) | 64.1% |
| Uninsured deposits | 29.1% | 4.2% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Chemcel Federal Credit Union has the higher TellerScore (74 vs 36). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of San Diego leads on 2 and Chemcel Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.