Side-by-side · Q2 2026 data
Five Star Bank vs Sacramento Credit Union
Metric by metric
| Measure | Five Star Bank | Sacramento Credit Union |
|---|---|---|
| TellerScore | 68 | 96 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 90 | 97 (stronger) |
| Earnings | 85 | 88 (stronger) |
| Funding & liquidity | 18 | 95 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 49th | 99th |
| Total assets | $5.4B | $858.3M |
| Deposits / shares | $4.8B | $722.4M |
| Capital ratio | 10.25% | 15.14% (stronger) |
| Problem loans | 0.30% | 0.09% (stronger) |
| Net charge-offs | 0.08% | 0.07% (stronger) |
| Return on assets | 1.62% | 1.69% (stronger) |
| Loans ÷ deposits | 93.0% | 65.5% (stronger) |
| Uninsured deposits | 59.2% | 12.0% (stronger) |
| Offices | 10 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.7% | 28.5% |
Sacramento Credit Union has the higher TellerScore (96 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Five Star Bank leads on 0 and Sacramento Credit Union on 7. 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.