Side-by-side · Q2 2026 data
Sea Air Federal Credit Union vs First California Federal Credit Union
Credit union
First California Federal Credit Union
Fresno, California · $100 million – $1 billion
Metric by metric
| Measure | Sea Air Federal Credit Union | First California Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 78 (stronger) |
| Capital cushion | 100 (stronger) | 56 |
| Loan quality | 38 | 67 (stronger) |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 31st | 74th |
| Total assets | $118.8M | $109.7M |
| Deposits / shares | $90.8M | $97.8M |
| Capital ratio | 23.39% (stronger) | 10.58% |
| Problem loans | 1.87% | 0.98% (stronger) |
| Net charge-offs | 0.48% (stronger) | 0.69% |
| Return on assets | -0.69% | 2.00% (stronger) |
| Loans ÷ deposits | 49.6% (stronger) | 54.0% |
| Uninsured deposits | 5.0% (stronger) | 6.2% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 30.5% |
First California Federal Credit Union has the higher TellerScore (78 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Sea Air Federal Credit Union leads on 4 and First California Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.