Side-by-side · Q2 2026 data
Montecito Bank & Trust vs Ventura County Credit Union
Metric by metric
| Measure | Montecito Bank & Trust | Ventura County Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 47 |
| Capital cushion | 63 (stronger) | 51 |
| Loan quality | 94 (stronger) | 0 |
| Earnings | 44 | 68 (stronger) |
| Funding & liquidity | 54 | 82 (stronger) |
| Problem-loan coverage | 98 (stronger) | 57 |
| Peer percentile | 53rd | 4th |
| Total assets | $2.0B | $1.5B |
| Deposits / shares | $1.7B | $1.3B |
| Capital ratio | 11.29% (stronger) | 10.14% |
| Problem loans | 0.17% (stronger) | 3.17% |
| Net charge-offs | 0.02% (stronger) | 0.44% |
| Return on assets | 0.60% | 1.21% (stronger) |
| Loans ÷ deposits | 79.4% | 78.2% (stronger) |
| Uninsured deposits | 38.6% | 9.5% (stronger) |
| Offices | 16 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.7% | 15.6% |
Montecito Bank & Trust has the higher TellerScore (69 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Montecito Bank & Trust leads on 4 and Ventura County Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.