Side-by-side · Q2 2026 data
Fremont Bank vs Pacific Service Credit Union
Metric by metric
| Measure | Fremont Bank | Pacific Service Credit Union |
|---|---|---|
| TellerScore | 60 | 82 (stronger) |
| Capital cushion | 34 | 100 (stronger) |
| Loan quality | 87 | 88 (stronger) |
| Earnings | 66 (stronger) | 50 |
| Funding & liquidity | 36 | 70 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 21st | 91st |
| Total assets | $6.0B | $1.3B |
| Deposits / shares | $5.3B | $1.1B |
| Capital ratio | 8.35% | 15.54% (stronger) |
| Problem loans | 0.39% | 0.35% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.58% |
| Return on assets | 1.15% (stronger) | 0.76% |
| Loans ÷ deposits | 89.2% (stronger) | 90.6% |
| Uninsured deposits | 46.3% | 4.5% (stronger) |
| Offices | 21 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.6% | 18.9% |
Pacific Service Credit Union has the higher TellerScore (82 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Fremont Bank leads on 3 and Pacific Service Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.