Side-by-side · Q2 2026 data
Fremont Bank vs San Mateo City Employees Federal Credit Union
Credit union
San Mateo City Employees Federal Credit Union
San Mateo, California · Under $100 million in assets
Metric by metric
| Measure | Fremont Bank | San Mateo City Employees Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 87 (stronger) |
| Capital cushion | 34 | 100 (stronger) |
| Loan quality | 87 | 100 (stronger) |
| Earnings | 66 (stronger) | 34 |
| Funding & liquidity | 36 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 21st | 83rd |
| Total assets | $6.0B | $31.8M |
| Deposits / shares | $5.3B | $25.9M |
| Capital ratio | 8.35% | 18.36% (stronger) |
| Problem loans | 0.39% | 0.00% (stronger) |
| Net charge-offs | 0.01% (stronger) | 1.53% |
| Return on assets | 1.15% (stronger) | 0.34% |
| Loans ÷ deposits | 89.2% | 18.2% (stronger) |
| Uninsured deposits | 46.3% | 12.7% (stronger) |
| Offices | 21 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.6% | — |
San Mateo City Employees Federal Credit Union has the higher TellerScore (87 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Fremont Bank leads on 2 and San Mateo City Employees 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.