Side-by-side · Q2 2026 data
Santa Ana Federal Credit Union vs Orange County'S Federal Credit Union
Credit union
Santa Ana Federal Credit Union
Santa Ana, California · $100 million – $1 billion
Credit union
Orange County'S Federal Credit Union
Santa Ana, California · $1 billion – $10 billion
Metric by metric
| Measure | Santa Ana Federal Credit Union | Orange County'S Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 70 |
| Capital cushion | 85 (stronger) | 57 |
| Loan quality | 98 (stronger) | 78 |
| Earnings | 81 (stronger) | 73 |
| Funding & liquidity | 90 (stronger) | 66 |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 95th | 58th |
| Total assets | $111.6M | $3.1B |
| Deposits / shares | $95.7M | $2.6B |
| Capital ratio | 13.47% (stronger) | 10.66% |
| Problem loans | 0.06% (stronger) | 0.65% |
| Net charge-offs | -0.01% (stronger) | 0.48% |
| Return on assets | 1.52% (stronger) | 1.31% |
| Loans ÷ deposits | 70.6% (stronger) | 94.6% |
| Uninsured deposits | 4.3% (stronger) | 8.4% |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Santa Ana Federal Credit Union has the higher TellerScore (90 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Santa Ana Federal Credit Union leads on 7 and Orange County'S Federal Credit Union on 0. 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.