Side-by-side · Q2 2026 data
Sea West Coast Guard Federal Credit Union vs San Francisco Federal Credit Union
Credit union
Sea West Coast Guard Federal Credit Union
Oakland, California · $100 million – $1 billion
Credit union
San Francisco Federal Credit Union
San Francisco, California · $1 billion – $10 billion
Metric by metric
| Measure | Sea West Coast Guard Federal Credit Union | San Francisco Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 86 (stronger) |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 29 | 65 (stronger) |
| Funding & liquidity | 79 | 91 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 83rd | 95th |
| Total assets | $377.9M | $1.6B |
| Deposits / shares | $299.9M | $1.2B |
| Capital ratio | 20.17% (stronger) | 13.63% |
| Problem loans | 0.01% (stronger) | 0.15% |
| Net charge-offs | 0.06% (stronger) | 0.13% |
| Return on assets | 0.22% | 1.12% (stronger) |
| Loans ÷ deposits | 79.4% | 69.1% (stronger) |
| Uninsured deposits | 16.3% | 8.5% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.8% | 3.3% |
San Francisco Federal Credit Union has the higher TellerScore (86 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Sea West Coast Guard Federal Credit Union leads on 3 and San Francisco Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.