Side-by-side · Q2 2026 data
Santa Barbara Teachers Federal Credit Union vs Ume Federal Credit Union
Credit union
Santa Barbara Teachers Federal Credit Union
Santa Barbara, California · $100 million – $1 billion
Metric by metric
| Measure | Santa Barbara Teachers Federal Credit Union | Ume Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 74 |
| Capital cushion | 88 (stronger) | 49 |
| Loan quality | 100 (stronger) | 82 |
| Earnings | 56 | 72 (stronger) |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 92nd | 63rd |
| Total assets | $308.5M | $327.9M |
| Deposits / shares | $264.3M | $296.7M |
| Capital ratio | 13.82% (stronger) | 9.86% |
| Problem loans | 0.01% (stronger) | 0.54% |
| Net charge-offs | 0.00% (stronger) | 0.47% |
| Return on assets | 0.91% | 1.29% (stronger) |
| Loans ÷ deposits | 21.9% (stronger) | 56.7% |
| Uninsured deposits | 5.2% (stronger) | 16.6% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | 3.8% |
Santa Barbara Teachers Federal Credit Union has the higher TellerScore (88 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Santa Barbara Teachers Federal Credit Union leads on 6 and Ume Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.