Side-by-side · Q2 2026 data
River City Bank vs Sacramento Credit Union
Metric by metric
| Measure | River City Bank | Sacramento Credit Union |
|---|---|---|
| TellerScore | 69 | 96 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 70 | 88 (stronger) |
| Funding & liquidity | 52 | 95 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 53rd | 99th |
| Total assets | $6.0B | $858.3M |
| Deposits / shares | $5.4B | $722.4M |
| Capital ratio | 9.22% | 15.14% (stronger) |
| Problem loans | 0.00% (stronger) | 0.09% |
| Net charge-offs | -0.00% (stronger) | 0.07% |
| Return on assets | 1.26% | 1.69% (stronger) |
| Loans ÷ deposits | 83.7% | 65.5% (stronger) |
| Uninsured deposits | 37.1% | 12.0% (stronger) |
| Offices | 8 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | 28.5% |
Sacramento Credit Union has the higher TellerScore (96 vs 69). On the 7 directional measures above (where higher or lower is clearly better), River City Bank leads on 2 and Sacramento Credit Union on 5. 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.