Side-by-side · Q2 2026 data
Metropolitan Bank vs San Mateo City Employees Federal Credit Union
Credit union
San Mateo City Employees Federal Credit Union
San Mateo, California · Under $100 million in assets
Metric by metric
| Measure | Metropolitan Bank | San Mateo City Employees Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 87 (stronger) |
| Capital cushion | 81 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 46 (stronger) | 34 |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 68 | 100 (stronger) |
| Peer percentile | 61st | 83rd |
| Total assets | $230.2M | $31.8M |
| Deposits / shares | $194.7M | $25.9M |
| Capital ratio | 13.09% | 18.36% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% (stronger) | 1.53% |
| Return on assets | 0.64% (stronger) | 0.34% |
| Loans ÷ deposits | 95.1% | 18.2% (stronger) |
| Uninsured deposits | 10.3% (stronger) | 12.7% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
San Mateo City Employees Federal Credit Union has the higher TellerScore (87 vs 75). On the 6 directional measures above (where higher or lower is clearly better), Metropolitan Bank leads on 3 and San Mateo City Employees 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.