Side-by-side · Q2 2026 data
Gain Federal Credit Union vs Sunkist Employees Federal Credit Union
Credit union
Sunkist Employees Federal Credit Union
Valencia, California · Under $100 million in assets
Metric by metric
| Measure | Gain Federal Credit Union | Sunkist Employees Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 100 (stronger) |
| Capital cushion | 31 | 100 (stronger) |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 23 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 21st | 100th |
| Total assets | $454.0M | $3.8M |
| Deposits / shares | $424.1M | $2.5M |
| Capital ratio | 8.14% | 33.64% (stronger) |
| Problem loans | 0.44% | 0.00% (stronger) |
| Net charge-offs | 0.26% | 0.00% (stronger) |
| Return on assets | 0.09% | 2.08% (stronger) |
| Loans ÷ deposits | 57.0% | 37.5% (stronger) |
| Uninsured deposits | 10.6% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.2% | — |
Sunkist Employees Federal Credit Union has the higher TellerScore (100 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Gain Federal Credit Union leads on 0 and Sunkist Employees Federal 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.