Side-by-side · Q2 2026 data
Pacific National Bank vs Gold Coast Federal Credit Union
Metric by metric
| Measure | Pacific National Bank | Gold Coast Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 75 |
| Capital cushion | 58 | 69 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 66 (stronger) | 43 |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 83rd | 66th |
| Total assets | $1.6B | $269.8M |
| Deposits / shares | $1.3B | $239.9M |
| Capital ratio | 10.80% | 11.91% (stronger) |
| Problem loans | 0.01% (stronger) | 0.43% |
| Net charge-offs | 0.05% (stronger) | 0.20% |
| Return on assets | 1.15% (stronger) | 0.58% |
| Loans ÷ deposits | 73.0% | 54.6% (stronger) |
| Uninsured deposits | 27.8% | 3.5% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.7% |
Pacific National Bank has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Pacific National Bank leads on 4 and Gold Coast Federal Credit Union on 3. 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.