Side-by-side · Q2 2026 data
San Mateo City Employees Federal Credit Union vs Bay Cities Credit Union
Credit union
San Mateo City Employees Federal Credit Union
San Mateo, California · Under $100 million in assets
Metric by metric
| Measure | San Mateo City Employees Federal Credit Union | Bay Cities Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 100 (stronger) | 71 |
| Earnings | 34 | 59 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 83rd | 57th |
| Total assets | $31.8M | $77.6M |
| Deposits / shares | $25.9M | $67.4M |
| Capital ratio | 18.36% (stronger) | 12.70% |
| Problem loans | 0.00% (stronger) | 0.86% |
| Net charge-offs | 1.53% | 0.83% (stronger) |
| Return on assets | 0.34% | 0.99% (stronger) |
| Loans ÷ deposits | 18.2% (stronger) | 45.5% |
| Uninsured deposits | 12.7% | 5.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
San Mateo City Employees Federal Credit Union has the higher TellerScore (87 vs 77). On the 7 directional measures above (where higher or lower is clearly better), San Mateo City Employees Federal Credit Union leads on 4 and Bay Cities Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.