Side-by-side · Q2 2026 data
GBC International Bank vs Sun Pacific Federal Credit Union
Credit union
Sun Pacific Federal Credit Union
Richmond, California · Under $100 million in assets
Metric by metric
| Measure | GBC International Bank | Sun Pacific Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 81 |
| Capital cushion | 100 | 100 |
| Loan quality | 91 (stronger) | 61 |
| Earnings | 63 (stronger) | 58 |
| Funding & liquidity | 52 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 84th | 68th |
| Total assets | $658.5M | $29.9M |
| Deposits / shares | $504.6M | $24.9M |
| Capital ratio | 15.94% | 20.51% (stronger) |
| Problem loans | 0.26% (stronger) | 1.16% |
| Net charge-offs | 0.03% (stronger) | 0.51% |
| Return on assets | 1.08% (stronger) | 0.96% |
| Loans ÷ deposits | 89.5% | 42.3% (stronger) |
| Uninsured deposits | 32.1% | 8.3% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
GBC International Bank has the higher TellerScore (83 vs 81). On the 7 directional measures above (where higher or lower is clearly better), GBC International Bank leads on 4 and Sun Pacific Federal Credit Union on 3. 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.