Side-by-side · Q2 2026 data
Sea West Coast Guard Federal Credit Union vs Monterey Credit Union
Credit union
Sea West Coast Guard Federal Credit Union
Oakland, California · $100 million – $1 billion
Metric by metric
| Measure | Sea West Coast Guard Federal Credit Union | Monterey Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 50 |
| Capital cushion | 100 (stronger) | 38 |
| Loan quality | 100 (stronger) | 68 |
| Earnings | 29 (stronger) | 13 |
| Funding & liquidity | 79 (stronger) | 73 |
| Problem-loan coverage | 100 (stronger) | 81 |
| Peer percentile | 83rd | 6th |
| Total assets | $377.9M | $360.5M |
| Deposits / shares | $299.9M | $296.4M |
| Capital ratio | 20.17% (stronger) | 8.75% |
| Problem loans | 0.01% (stronger) | 0.97% |
| Net charge-offs | 0.06% (stronger) | 0.70% |
| Return on assets | 0.22% (stronger) | -0.18% |
| Loans ÷ deposits | 79.4% (stronger) | 87.5% |
| Uninsured deposits | 16.3% | 0.0% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.8% | 50.0% |
Sea West Coast Guard Federal Credit Union has the higher TellerScore (83 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Sea West Coast Guard Federal Credit Union leads on 6 and Monterey Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.