Side-by-side · Q2 2026 data
Mission City Federal Credit Union vs South Bay Credit Union
Credit union
Mission City Federal Credit Union
Santa Clara, California · $100 million – $1 billion
Metric by metric
| Measure | Mission City Federal Credit Union | South Bay Credit Union |
|---|---|---|
| TellerScore | 62 (stronger) | 59 |
| Capital cushion | 33 | 44 (stronger) |
| Loan quality | 94 (stronger) | 84 |
| Earnings | 42 (stronger) | 24 |
| Funding & liquidity | 72 | 75 (stronger) |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 26th | 19th |
| Total assets | $171.7M | $160.6M |
| Deposits / shares | $139.1M | $144.1M |
| Capital ratio | 8.29% | 9.41% (stronger) |
| Problem loans | 0.17% (stronger) | 0.48% |
| Net charge-offs | 0.38% (stronger) | 0.46% |
| Return on assets | 0.56% (stronger) | 0.10% |
| Loans ÷ deposits | 88.0% | 85.7% (stronger) |
| Uninsured deposits | 15.2% | 0.0% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Mission City Federal Credit Union has the higher TellerScore (62 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Mission City Federal Credit Union leads on 4 and South Bay Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.