Side-by-side · Q2 2026 data
Mission National 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 | Mission National Bank | San Mateo City Employees Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 87 (stronger) |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 18 | 34 (stronger) |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 57th | 83rd |
| Total assets | $276.4M | $31.8M |
| Deposits / shares | $237.1M | $25.9M |
| Capital ratio | 13.94% | 18.36% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.00% (stronger) | 1.53% |
| Return on assets | -0.05% | 0.34% (stronger) |
| Loans ÷ deposits | 97.9% | 18.2% (stronger) |
| Uninsured deposits | 17.0% | 12.7% (stronger) |
| Offices | 1 | 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 74). On the 6 directional measures above (where higher or lower is clearly better), Mission National Bank leads on 1 and San Mateo City Employees Federal Credit Union on 5. 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.