Side-by-side · Q2 2026 data
San Joaquin Power Employees Credit Union vs Central Valley Firefighters Credit Union
Credit union
San Joaquin Power Employees Credit Union
Fresno, California · $100 million – $1 billion
Credit union
Central Valley Firefighters Credit Union
Fresno, California · Under $100 million in assets
Metric by metric
| Measure | San Joaquin Power Employees Credit Union | Central Valley Firefighters Credit Union |
|---|---|---|
| TellerScore | 84 | 87 (stronger) |
| Capital cushion | 100 (stronger) | 87 |
| Loan quality | 99 (stronger) | 86 |
| Earnings | 42 | 75 (stronger) |
| Funding & liquidity | 73 | 99 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 86th | 83rd |
| Total assets | $174.9M | $49.5M |
| Deposits / shares | $144.9M | $42.5M |
| Capital ratio | 15.39% (stronger) | 13.73% |
| Problem loans | 0.04% (stronger) | 0.42% |
| Net charge-offs | 0.05% (stronger) | 0.16% |
| Return on assets | 0.55% | 1.37% (stronger) |
| Loans ÷ deposits | 87.0% | 61.1% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 5.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.5% | — |
Central Valley Firefighters Credit Union has the higher TellerScore (87 vs 84). On the 7 directional measures above (where higher or lower is clearly better), San Joaquin Power Employees Credit Union leads on 4 and Central Valley Firefighters Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.