Side-by-side · Q2 2026 data
Santa Barbara County Federal Credit Union vs Escondido Federal Credit Union
Credit union
Santa Barbara County Federal Credit Union
Santa Barbara, California · Under $100 million in assets
Credit union
Escondido Federal Credit Union
Escondido, California · Under $100 million in assets
Metric by metric
| Measure | Santa Barbara County Federal Credit Union | Escondido Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 89 |
| Capital cushion | 85 | 87 (stronger) |
| Loan quality | 99 (stronger) | 98 |
| Earnings | 84 (stronger) | 67 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 92nd | 87th |
| Total assets | $64.8M | $66.8M |
| Deposits / shares | $55.8M | $57.4M |
| Capital ratio | 13.49% | 13.67% (stronger) |
| Problem loans | 0.04% (stronger) | 0.06% |
| Net charge-offs | -0.08% (stronger) | 0.19% |
| Return on assets | 1.61% (stronger) | 1.17% |
| Loans ÷ deposits | 50.2% | 39.3% (stronger) |
| Uninsured deposits | 3.3% (stronger) | 8.0% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Santa Barbara County Federal Credit Union has the higher TellerScore (92 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Santa Barbara County Federal Credit Union leads on 5 and Escondido Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.