Side-by-side · Q2 2026 data
San Francisco Federal Credit Union vs Utility District 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 | Utility District Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 71 |
| Capital cushion | 86 (stronger) | 43 |
| Loan quality | 95 (stronger) | 81 |
| Earnings | 65 | 66 (stronger) |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 95th | 42nd |
| Total assets | $1.6B | $34.2M |
| Deposits / shares | $1.2B | $30.8M |
| Capital ratio | 13.63% (stronger) | 9.34% |
| Problem loans | 0.15% (stronger) | 0.57% |
| Net charge-offs | 0.13% (stronger) | 0.22% |
| Return on assets | 1.12% | 1.14% (stronger) |
| Loans ÷ deposits | 69.1% | 27.2% (stronger) |
| Uninsured deposits | 8.5% | 6.2% (stronger) |
| Offices | 3 | 2 |
| 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 71). On the 7 directional measures above (where higher or lower is clearly better), San Francisco Federal Credit Union leads on 4 and Utility District Credit Union on 3. 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.