Side-by-side · Q2 2026 data
San Francisco Federal Credit Union vs Sierra Central 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 | Sierra Central Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 67 |
| Capital cushion | 86 (stronger) | 50 |
| Loan quality | 95 (stronger) | 82 |
| Earnings | 65 (stronger) | 48 |
| Funding & liquidity | 91 (stronger) | 86 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 95th | 47th |
| Total assets | $1.6B | $1.5B |
| Deposits / shares | $1.2B | $1.3B |
| Capital ratio | 13.63% (stronger) | 10.00% |
| Problem loans | 0.15% (stronger) | 0.55% |
| Net charge-offs | 0.13% (stronger) | 1.00% |
| Return on assets | 1.12% (stronger) | 0.71% |
| Loans ÷ deposits | 69.1% (stronger) | 74.5% |
| Uninsured deposits | 8.5% | 8.1% (stronger) |
| Offices | 3 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | 28.9% |
San Francisco Federal Credit Union has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), San Francisco Federal Credit Union leads on 6 and Sierra Central Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.