Side-by-side · Q2 2026 data
San Francisco Federal Credit Union vs Bay Cities Credit Union
Credit union
San Francisco Federal Credit Union
San Francisco, California · $1 billion – $10 billion
Metric by metric
| Measure | San Francisco Federal Credit Union | Bay Cities Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 77 |
| Capital cushion | 86 (stronger) | 77 |
| Loan quality | 95 (stronger) | 71 |
| Earnings | 65 (stronger) | 59 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 95th | 57th |
| Total assets | $1.6B | $77.6M |
| Deposits / shares | $1.2B | $67.4M |
| Capital ratio | 13.63% (stronger) | 12.70% |
| Problem loans | 0.15% (stronger) | 0.86% |
| Net charge-offs | 0.13% (stronger) | 0.83% |
| Return on assets | 1.12% (stronger) | 0.99% |
| Loans ÷ deposits | 69.1% | 45.5% (stronger) |
| Uninsured deposits | 8.5% | 5.3% (stronger) |
| Offices | 3 | 1 |
| 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 77). On the 7 directional measures above (where higher or lower is clearly better), San Francisco Federal Credit Union leads on 5 and Bay Cities Credit Union on 2. 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.