TellerScore

Side-by-side · Q2 2026 data

Safe 1 Credit Union vs Sesloc Credit Union

Credit union

Safe 1 Credit Union

Bakersfield, California · $1 billion – $10 billion

90of 100
Very strong

Credit union

Sesloc Credit Union

San Luis Obispo, California · $1 billion – $10 billion

64of 100
Moderate

Metric by metric

MeasureSafe 1 Credit UnionSesloc Credit Union
TellerScore90 (stronger)64
Capital cushion100 (stronger)44
Loan quality88 (stronger)87
Earnings90 (stronger)41
Funding & liquidity6877 (stronger)
Problem-loan coverage96 (stronger)93
Peer percentile98th36th
Total assets$1.2B$1.3B
Deposits / shares$963.8M$1.1B
Capital ratio16.03% (stronger)9.41%
Problem loans0.37% (stronger)0.40%
Net charge-offs0.40%0.34% (stronger)
Return on assets1.74% (stronger)0.53%
Loans ÷ deposits92.4%83.2% (stronger)
Uninsured deposits1.8% (stronger)11.5%
Offices107
CFPB complaints (3 yrs)——
Complaints per $1B deposits——
Mortgage denial rate (HMDA)12.3%—

Safe 1 Credit Union has the higher TellerScore (90 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Safe 1 Credit Union leads on 5 and Sesloc Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.

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