Side-by-side · Q2 2026 data
Gateway Commercial Bank vs Desert Financial Credit Union
Metric by metric
| Measure | Gateway Commercial Bank | Desert Financial Credit Union |
|---|---|---|
| TellerScore | 68 | 80 (stronger) |
| Capital cushion | 70 | 71 (stronger) |
| Loan quality | 59 | 84 (stronger) |
| Earnings | 78 (stronger) | 64 |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 86 | 95 (stronger) |
| Peer percentile | 37th | 88th |
| Total assets | $231.4M | $9.9B |
| Deposits / shares | $190.7M | $8.9B |
| Capital ratio | 12.00% | 12.10% (stronger) |
| Problem loans | 1.24% | 0.47% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.29% |
| Return on assets | 1.44% (stronger) | 1.11% |
| Loans ÷ deposits | 78.5% | 59.9% (stronger) |
| Uninsured deposits | 39.3% | 11.7% (stronger) |
| Offices | 1 | 51 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.1% |
Desert Financial Credit Union has the higher TellerScore (80 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Gateway Commercial Bank leads on 2 and Desert Financial 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.