Side-by-side · Q2 2026 data
Home Bank of California vs San Diego Firefighters Federal Credit Union
Credit union
San Diego Firefighters Federal Credit Union
San Diego, California · $100 million – $1 billion
Metric by metric
| Measure | Home Bank of California | San Diego Firefighters Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 64 |
| Capital cushion | 73 (stronger) | 27 |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 100 (stronger) | 42 |
| Funding & liquidity | 48 | 99 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 86th | 31st |
| Total assets | $255.4M | $152.6M |
| Deposits / shares | $192.2M | $140.9M |
| Capital ratio | 12.27% (stronger) | 7.68% |
| Problem loans | 0.00% (stronger) | 0.26% |
| Net charge-offs | -0.00% (stronger) | 0.04% |
| Return on assets | 2.34% (stronger) | 0.55% |
| Loans ÷ deposits | 121.2% | 45.6% (stronger) |
| Uninsured deposits | 16.6% | 16.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home Bank of California has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Home Bank of California leads on 5 and San Diego Firefighters Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.