Side-by-side · Q2 2026 data
Pacific National Bank vs Educational Federal Credit Union
Metric by metric
| Measure | Pacific National Bank | Educational Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 84 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 100 (stronger) | 80 |
| Earnings | 66 (stronger) | 59 |
| Funding & liquidity | 73 | 87 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 83rd | 93rd |
| Total assets | $1.6B | $1.8B |
| Deposits / shares | $1.3B | $1.6B |
| Capital ratio | 10.80% | 15.45% (stronger) |
| Problem loans | 0.01% (stronger) | 0.61% |
| Net charge-offs | 0.05% (stronger) | 0.49% |
| Return on assets | 1.15% (stronger) | 0.99% |
| Loans ÷ deposits | 73.0% (stronger) | 73.0% |
| Uninsured deposits | 27.8% | 9.5% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 41.6% |
Educational Federal Credit Union has the higher TellerScore (84 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Pacific National Bank leads on 4 and Educational Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.