Side-by-side · Q2 2026 data
GBC International Bank 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 | GBC International Bank | Sea West Coast Guard Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 83 |
| Capital cushion | 100 | 100 |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 63 (stronger) | 29 |
| Funding & liquidity | 52 | 79 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 84th | 83rd |
| Total assets | $658.5M | $377.9M |
| Deposits / shares | $504.6M | $299.9M |
| Capital ratio | 15.94% | 20.17% (stronger) |
| Problem loans | 0.26% | 0.01% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.06% |
| Return on assets | 1.08% (stronger) | 0.22% |
| Loans ÷ deposits | 89.5% | 79.4% (stronger) |
| Uninsured deposits | 32.1% | 16.3% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.8% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), GBC International Bank leads on 2 and Sea West Coast Guard Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.