Side-by-side · Q2 2026 data
Mission Valley Bank vs Sunkist Employees Federal Credit Union
Credit union
Sunkist Employees Federal Credit Union
Valencia, California · Under $100 million in assets
Metric by metric
| Measure | Mission Valley Bank | Sunkist Employees Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 100 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 35 | 100 (stronger) |
| Earnings | 53 | 100 (stronger) |
| Funding & liquidity | 59 | 100 (stronger) |
| Problem-loan coverage | 73 | 100 (stronger) |
| Peer percentile | 10th | 100th |
| Total assets | $782.0M | $3.8M |
| Deposits / shares | $615.3M | $2.5M |
| Capital ratio | 11.00% | 33.64% (stronger) |
| Problem loans | 1.94% | 0.00% (stronger) |
| Net charge-offs | 0.34% | 0.00% (stronger) |
| Return on assets | 0.82% | 2.08% (stronger) |
| Loans ÷ deposits | 101.1% | 37.5% (stronger) |
| Uninsured deposits | 0.1% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sunkist Employees Federal Credit Union has the higher TellerScore (100 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Mission Valley Bank leads on 0 and Sunkist Employees Federal Credit Union on 7. 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.