Side-by-side · Q2 2026 data
Sea West Coast Guard Federal Credit Union vs Sonoma Federal 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 | Sonoma Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 83 |
| Capital cushion | 100 (stronger) | 85 |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 29 | 87 (stronger) |
| Funding & liquidity | 79 (stronger) | 77 |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 83rd | 72nd |
| Total assets | $377.9M | $80.0M |
| Deposits / shares | $299.9M | $69.0M |
| Capital ratio | 20.17% (stronger) | 13.50% |
| Problem loans | 0.01% (stronger) | 0.63% |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 0.22% | 1.67% (stronger) |
| Loans ÷ deposits | 79.4% (stronger) | 82.2% |
| Uninsured deposits | 16.3% | 16.1% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.8% | 42.3% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Sea West Coast Guard Federal Credit Union leads on 3 and Sonoma Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.