Side-by-side · Q2 2026 data
Novo Federal Credit Union vs Santa Ana Federal Credit Union
Credit union
Santa Ana Federal Credit Union
Santa Ana, California · $100 million – $1 billion
Metric by metric
| Measure | Novo Federal Credit Union | Santa Ana Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 90 (stronger) |
| Capital cushion | 82 | 85 (stronger) |
| Loan quality | 86 | 98 (stronger) |
| Earnings | 53 | 81 (stronger) |
| Funding & liquidity | 88 | 90 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 65th | 95th |
| Total assets | $21.4M | $111.6M |
| Deposits / shares | $18.4M | $95.7M |
| Capital ratio | 13.23% | 13.47% (stronger) |
| Problem loans | 0.43% | 0.06% (stronger) |
| Net charge-offs | 0.23% | -0.01% (stronger) |
| Return on assets | 0.83% | 1.52% (stronger) |
| Loans ÷ deposits | 72.7% | 70.6% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 4.3% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Santa Ana Federal Credit Union has the higher TellerScore (90 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Novo Federal Credit Union leads on 1 and Santa Ana Federal Credit Union on 6. 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.