Side-by-side · Q2 2026 data
GBC International Bank vs Mission City Federal Credit Union
Credit union
Mission City Federal Credit Union
Santa Clara, California · $100 million – $1 billion
Metric by metric
| Measure | GBC International Bank | Mission City Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 62 |
| Capital cushion | 100 (stronger) | 33 |
| Loan quality | 91 | 94 (stronger) |
| Earnings | 63 (stronger) | 42 |
| Funding & liquidity | 52 | 72 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 84th | 26th |
| Total assets | $658.5M | $171.7M |
| Deposits / shares | $504.6M | $139.1M |
| Capital ratio | 15.94% (stronger) | 8.29% |
| Problem loans | 0.26% | 0.17% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.38% |
| Return on assets | 1.08% (stronger) | 0.56% |
| Loans ÷ deposits | 89.5% | 88.0% (stronger) |
| Uninsured deposits | 32.1% | 15.2% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
GBC International Bank has the higher TellerScore (83 vs 62). On the 7 directional measures above (where higher or lower is clearly better), GBC International Bank leads on 4 and Mission City Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.