Side-by-side · Q2 2026 data
Poppy Bank vs Sonoma Federal Credit Union
Metric by metric
| Measure | Poppy Bank | Sonoma Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 83 (stronger) |
| Capital cushion | 47 | 85 (stronger) |
| Loan quality | 37 | 79 (stronger) |
| Earnings | 72 | 87 (stronger) |
| Funding & liquidity | 52 | 77 (stronger) |
| Problem-loan coverage | 68 | 92 (stronger) |
| Peer percentile | 9th | 72nd |
| Total assets | $8.3B | $80.0M |
| Deposits / shares | $6.3B | $69.0M |
| Capital ratio | 9.71% | 13.50% (stronger) |
| Problem loans | 1.89% | 0.63% (stronger) |
| Net charge-offs | 0.40% | 0.00% (stronger) |
| Return on assets | 1.29% | 1.67% (stronger) |
| Loans ÷ deposits | 91.5% | 82.2% (stronger) |
| Uninsured deposits | 30.2% | 16.1% (stronger) |
| Offices | 45 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 42.3% |
Sonoma Federal Credit Union has the higher TellerScore (83 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Poppy Bank leads on 0 and Sonoma Federal Credit Union on 7. 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.