Side-by-side · Q2 2026 data
San Francisco Federal Credit Union vs 1st Northern California Credit Union
Credit union
San Francisco Federal Credit Union
San Francisco, California · $1 billion – $10 billion
Credit union
1st Northern California Credit Union
Martinez, California · $100 million – $1 billion
Metric by metric
| Measure | San Francisco Federal Credit Union | 1st Northern California Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 79 |
| Capital cushion | 86 (stronger) | 68 |
| Loan quality | 95 | 99 (stronger) |
| Earnings | 65 (stronger) | 42 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 95th | 76th |
| Total assets | $1.6B | $829.0M |
| Deposits / shares | $1.2B | $720.1M |
| Capital ratio | 13.63% (stronger) | 11.81% |
| Problem loans | 0.15% | 0.03% (stronger) |
| Net charge-offs | 0.13% | 0.08% (stronger) |
| Return on assets | 1.12% (stronger) | 0.55% |
| Loans ÷ deposits | 69.1% | 58.3% (stronger) |
| Uninsured deposits | 8.5% | 8.3% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
San Francisco Federal Credit Union has the higher TellerScore (86 vs 79). On the 7 directional measures above (where higher or lower is clearly better), San Francisco Federal Credit Union leads on 3 and 1st Northern California Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.