Side-by-side · Q2 2026 data
Montecito Bank & Trust vs Santa Barbara County Federal Credit Union
Credit union
Santa Barbara County Federal Credit Union
Santa Barbara, California · Under $100 million in assets
Metric by metric
| Measure | Montecito Bank & Trust | Santa Barbara County Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 92 (stronger) |
| Capital cushion | 63 | 85 (stronger) |
| Loan quality | 94 | 99 (stronger) |
| Earnings | 44 | 84 (stronger) |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 53rd | 92nd |
| Total assets | $2.0B | $64.8M |
| Deposits / shares | $1.7B | $55.8M |
| Capital ratio | 11.29% | 13.49% (stronger) |
| Problem loans | 0.17% | 0.04% (stronger) |
| Net charge-offs | 0.02% | -0.08% (stronger) |
| Return on assets | 0.60% | 1.61% (stronger) |
| Loans ÷ deposits | 79.4% | 50.2% (stronger) |
| Uninsured deposits | 38.6% | 3.3% (stronger) |
| Offices | 16 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.7% | — |
Santa Barbara County Federal Credit Union has the higher TellerScore (92 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Montecito Bank & Trust leads on 0 and Santa Barbara County 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.