Side-by-side · Q2 2026 data
Murphy Bank vs San Joaquin Power Employees Credit Union
Credit union
San Joaquin Power Employees Credit Union
Fresno, California · $100 million – $1 billion
Metric by metric
| Measure | Murphy Bank | San Joaquin Power Employees Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 84 |
| Capital cushion | 99 | 100 (stronger) |
| Loan quality | 87 | 99 (stronger) |
| Earnings | 100 (stronger) | 42 |
| Funding & liquidity | 49 | 73 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 92nd | 86th |
| Total assets | $357.2M | $174.9M |
| Deposits / shares | $296.9M | $144.9M |
| Capital ratio | 14.89% | 15.39% (stronger) |
| Problem loans | 0.39% | 0.04% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 2.46% (stronger) | 0.55% |
| Loans ÷ deposits | 101.3% | 87.0% (stronger) |
| Uninsured deposits | 23.6% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.5% |
Murphy Bank has the higher TellerScore (88 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Murphy Bank leads on 3 and San Joaquin Power Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.