Side-by-side · Q2 2026 data
Kaiperm Federal Credit Union vs Santa Ana Federal Credit Union
Credit union
Kaiperm Federal Credit Union
Walnut Creek, California · $100 million – $1 billion
Credit union
Santa Ana Federal Credit Union
Santa Ana, California · $100 million – $1 billion
Metric by metric
| Measure | Kaiperm Federal Credit Union | Santa Ana Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 90 (stronger) |
| Capital cushion | 43 | 85 (stronger) |
| Loan quality | 98 | 98 |
| Earnings | 30 | 81 (stronger) |
| Funding & liquidity | 83 | 90 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 37th | 95th |
| Total assets | $108.4M | $111.6M |
| Deposits / shares | $98.7M | $95.7M |
| Capital ratio | 9.31% | 13.47% (stronger) |
| Problem loans | 0.05% (stronger) | 0.06% |
| Net charge-offs | 0.22% | -0.01% (stronger) |
| Return on assets | 0.24% | 1.52% (stronger) |
| Loans ÷ deposits | 77.4% | 70.6% (stronger) |
| Uninsured deposits | 10.9% | 4.3% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Santa Ana Federal Credit Union has the higher TellerScore (90 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Kaiperm Federal Credit Union leads on 1 and Santa Ana Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.