Side-by-side · Q2 2026 data
Sea West Coast Guard Federal Credit Union vs 1st Northern California Credit Union
Credit union
Sea West Coast Guard Federal Credit Union
Oakland, California · $100 million – $1 billion
Credit union
1st Northern California Credit Union
Martinez, California · $100 million – $1 billion
Metric by metric
| Measure | Sea West Coast Guard Federal Credit Union | 1st Northern California Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 29 | 42 (stronger) |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 83rd | 76th |
| Total assets | $377.9M | $829.0M |
| Deposits / shares | $299.9M | $720.1M |
| Capital ratio | 20.17% (stronger) | 11.81% |
| Problem loans | 0.01% (stronger) | 0.03% |
| Net charge-offs | 0.06% (stronger) | 0.08% |
| Return on assets | 0.22% | 0.55% (stronger) |
| Loans ÷ deposits | 79.4% | 58.3% (stronger) |
| Uninsured deposits | 16.3% | 8.3% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.8% | — |
Sea West Coast Guard Federal Credit Union has the higher TellerScore (83 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Sea West Coast Guard Federal Credit Union leads on 4 and 1st Northern California Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.