Side-by-side · Q2 2026 data
San Mateo City Employees Federal Credit Union vs F3 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 | F3 Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 80 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 65 |
| Earnings | 34 | 47 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 83rd | 78th |
| Total assets | $31.8M | $236.8M |
| Deposits / shares | $25.9M | $196.8M |
| Capital ratio | 18.36% | 18.47% (stronger) |
| Problem loans | 0.00% (stronger) | 1.05% |
| Net charge-offs | 1.53% | 1.00% (stronger) |
| Return on assets | 0.34% | 0.68% (stronger) |
| Loans ÷ deposits | 18.2% (stronger) | 55.0% |
| Uninsured deposits | 12.7% | 5.9% (stronger) |
| Offices | 2 | 4 |
| 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 80). On the 7 directional measures above (where higher or lower is clearly better), San Mateo City Employees Federal Credit Union leads on 3 and F3 Credit Union on 4. 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.