Side-by-side · Q2 2026 data
San Mateo City Employees Federal Credit Union vs Polam Federal Credit Union
Credit union
San Mateo City Employees Federal Credit Union
San Mateo, California · Under $100 million in assets
Credit union
Polam Federal Credit Union
Redwood City, California · Under $100 million in assets
Metric by metric
| Measure | San Mateo City Employees Federal Credit Union | Polam Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 43 |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 100 (stronger) | 3 |
| Earnings | 34 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 100 (stronger) | 66 |
| Peer percentile | 83rd | 4th |
| Total assets | $31.8M | $72.8M |
| Deposits / shares | $25.9M | $62.5M |
| Capital ratio | 18.36% (stronger) | 13.63% |
| Problem loans | 0.00% (stronger) | 2.92% |
| Net charge-offs | 1.53% | 0.08% (stronger) |
| Return on assets | 0.34% (stronger) | -0.62% |
| Loans ÷ deposits | 18.2% (stronger) | 91.9% |
| Uninsured deposits | 12.7% (stronger) | 12.8% |
| Offices | 2 | 6 |
| 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 43). On the 7 directional measures above (where higher or lower is clearly better), San Mateo City Employees Federal Credit Union leads on 6 and Polam Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.