Side-by-side · Q2 2026 data
Kinecta Federal Credit Union vs Patelco Credit Union
Credit union
Kinecta Federal Credit Union
Manhattan Beach, California · $1 billion – $10 billion
Metric by metric
| Measure | Kinecta Federal Credit Union | Patelco Credit Union |
|---|---|---|
| TellerScore | 58 | 60 (stronger) |
| Capital cushion | 37 | 55 (stronger) |
| Loan quality | 85 (stronger) | 66 |
| Earnings | 33 | 36 (stronger) |
| Funding & liquidity | 66 | 74 (stronger) |
| Problem-loan coverage | 91 (stronger) | 85 |
| Peer percentile | 19th | 25th |
| Total assets | $6.8B | $9.8B |
| Deposits / shares | $5.7B | $8.2B |
| Capital ratio | 8.68% | 10.49% (stronger) |
| Problem loans | 0.46% (stronger) | 1.03% |
| Net charge-offs | 0.50% (stronger) | 0.58% |
| Return on assets | 0.33% | 0.41% (stronger) |
| Loans ÷ deposits | 94.6% | 86.3% (stronger) |
| Uninsured deposits | 8.8% | 6.2% (stronger) |
| Offices | 15 | 35 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.7% |
Patelco Credit Union has the higher TellerScore (60 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Kinecta Federal Credit Union leads on 2 and Patelco Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.