Side-by-side · Q2 2026 data
Metropolitan Bank vs Sea West Coast Guard Federal Credit Union
Credit union
Sea West Coast Guard Federal Credit Union
Oakland, California · $100 million – $1 billion
Metric by metric
| Measure | Metropolitan Bank | Sea West Coast Guard Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 83 (stronger) |
| Capital cushion | 81 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 46 (stronger) | 29 |
| Funding & liquidity | 65 | 79 (stronger) |
| Problem-loan coverage | 68 | 100 (stronger) |
| Peer percentile | 61st | 83rd |
| Total assets | $230.2M | $377.9M |
| Deposits / shares | $194.7M | $299.9M |
| Capital ratio | 13.09% | 20.17% (stronger) |
| Problem loans | 0.00% (stronger) | 0.01% |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 0.64% (stronger) | 0.22% |
| Loans ÷ deposits | 95.1% | 79.4% (stronger) |
| Uninsured deposits | 10.3% (stronger) | 16.3% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.8% |
Sea West Coast Guard Federal Credit Union has the higher TellerScore (83 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Metropolitan Bank leads on 4 and Sea West Coast Guard Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.