Side-by-side · Q2 2026 data
San Mateo City Employees Federal Credit Union vs Upward 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 | Upward Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 64 |
| Loan quality | 100 (stronger) | 62 |
| Earnings | 34 | 49 (stronger) |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 83rd | 36th |
| Total assets | $31.8M | $92.7M |
| Deposits / shares | $25.9M | $79.5M |
| Capital ratio | 18.36% (stronger) | 11.44% |
| Problem loans | 0.00% (stronger) | 1.15% |
| Net charge-offs | 1.53% | 0.15% (stronger) |
| Return on assets | 0.34% | 0.71% (stronger) |
| Loans ÷ deposits | 18.2% (stronger) | 62.7% |
| Uninsured deposits | 12.7% | 1.4% (stronger) |
| Offices | 2 | 2 |
| 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 68). On the 7 directional measures above (where higher or lower is clearly better), San Mateo City Employees Federal Credit Union leads on 4 and Upward Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.