Side-by-side · Q2 2026 data
Gateway Bank, F.S.B. vs Sea West Coast Guard Federal Credit Union
Credit union
Sea West Coast Guard Federal Credit Union
Oakland, California · $100 million – $1 billion
Metric by metric
| Measure | Gateway Bank, F.S.B. | Sea West Coast Guard Federal Credit Union |
|---|---|---|
| TellerScore | 49 | 83 (stronger) |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 28 | 100 (stronger) |
| Earnings | 5 | 29 (stronger) |
| Funding & liquidity | 50 | 79 (stronger) |
| Problem-loan coverage | 73 | 100 (stronger) |
| Peer percentile | 6th | 83rd |
| Total assets | $288.2M | $377.9M |
| Deposits / shares | $204.1M | $299.9M |
| Capital ratio | 13.84% | 20.17% (stronger) |
| Problem loans | 2.15% | 0.01% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | -0.36% | 0.22% (stronger) |
| Loans ÷ deposits | 119.5% | 79.4% (stronger) |
| Uninsured deposits | 15.2% (stronger) | 16.3% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.8% |
Sea West Coast Guard Federal Credit Union has the higher TellerScore (83 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Gateway Bank, F.S.B. leads on 2 and Sea West Coast Guard Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.