Side-by-side · Q2 2026 data
Modesto'S First Federal Credit Union vs Polam Federal Credit Union
Credit union
Modesto'S First Federal Credit Union
Modesto, California · Under $100 million in assets
Credit union
Polam Federal Credit Union
Redwood City, California · Under $100 million in assets
Metric by metric
| Measure | Modesto'S First Federal Credit Union | Polam Federal Credit Union |
|---|---|---|
| TellerScore | 59 (stronger) | 43 |
| Capital cushion | 38 | 86 (stronger) |
| Loan quality | 67 (stronger) | 3 |
| Earnings | 55 (stronger) | 0 |
| Funding & liquidity | 78 (stronger) | 68 |
| Problem-loan coverage | 82 (stronger) | 66 |
| Peer percentile | 20th | 4th |
| Total assets | $74.2M | $72.8M |
| Deposits / shares | $67.3M | $62.5M |
| Capital ratio | 8.83% | 13.63% (stronger) |
| Problem loans | 0.99% (stronger) | 2.92% |
| Net charge-offs | 0.69% | 0.08% (stronger) |
| Return on assets | 0.88% (stronger) | -0.62% |
| Loans ÷ deposits | 82.0% (stronger) | 91.9% |
| Uninsured deposits | 14.3% | 12.8% (stronger) |
| Offices | 0 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Modesto'S First Federal Credit Union has the higher TellerScore (59 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Modesto'S First Federal Credit Union leads on 4 and Polam Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.