Side-by-side · Q2 2026 data
Sea West Coast Guard Federal Credit Union vs Polam Federal Credit Union
Credit union
Sea West Coast Guard Federal Credit Union
Oakland, California · $100 million – $1 billion
Credit union
Polam Federal Credit Union
Redwood City, California · Under $100 million in assets
Metric by metric
| Measure | Sea West Coast Guard Federal Credit Union | Polam Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 43 |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 100 (stronger) | 3 |
| Earnings | 29 (stronger) | 0 |
| Funding & liquidity | 79 (stronger) | 68 |
| Problem-loan coverage | 100 (stronger) | 66 |
| Peer percentile | 83rd | 4th |
| Total assets | $377.9M | $72.8M |
| Deposits / shares | $299.9M | $62.5M |
| Capital ratio | 20.17% (stronger) | 13.63% |
| Problem loans | 0.01% (stronger) | 2.92% |
| Net charge-offs | 0.06% (stronger) | 0.08% |
| Return on assets | 0.22% (stronger) | -0.62% |
| Loans ÷ deposits | 79.4% (stronger) | 91.9% |
| Uninsured deposits | 16.3% | 12.8% (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 43). On the 7 directional measures above (where higher or lower is clearly better), Sea West Coast Guard Federal Credit Union leads on 6 and Polam Federal Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.