Side-by-side · Q2 2026 data
Kings Federal Credit Union vs South Bay Credit Union
Metric by metric
| Measure | Kings Federal Credit Union | South Bay Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 79 | 84 (stronger) |
| Earnings | 60 (stronger) | 24 |
| Funding & liquidity | 96 (stronger) | 75 |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 89th | 19th |
| Total assets | $162.5M | $160.6M |
| Deposits / shares | $136.4M | $144.1M |
| Capital ratio | 15.97% (stronger) | 9.41% |
| Problem loans | 0.64% | 0.48% (stronger) |
| Net charge-offs | 0.24% (stronger) | 0.46% |
| Return on assets | 0.99% (stronger) | 0.10% |
| Loans ÷ deposits | 64.2% (stronger) | 85.7% |
| Uninsured deposits | 5.4% | 0.0% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kings Federal Credit Union has the higher TellerScore (86 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Kings Federal Credit Union leads on 5 and South Bay Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.