Side-by-side · Q2 2026 data
Shell Western States Federal Credit Union vs San Francisco Federal Credit Union
Credit union
Shell Western States Federal Credit Union
Martinez, California · Under $100 million in assets
Credit union
San Francisco Federal Credit Union
San Francisco, California · $1 billion – $10 billion
Metric by metric
| Measure | Shell Western States Federal Credit Union | San Francisco Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 86 (stronger) |
| Capital cushion | 54 | 86 (stronger) |
| Loan quality | 83 | 95 (stronger) |
| Earnings | 15 | 65 (stronger) |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 28th | 95th |
| Total assets | $66.0M | $1.6B |
| Deposits / shares | $58.3M | $1.2B |
| Capital ratio | 10.45% | 13.63% (stronger) |
| Problem loans | 0.52% | 0.15% (stronger) |
| Net charge-offs | 1.07% | 0.13% (stronger) |
| Return on assets | -0.13% | 1.12% (stronger) |
| Loans ÷ deposits | 57.0% (stronger) | 69.1% |
| Uninsured deposits | 9.2% | 8.5% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
San Francisco Federal Credit Union has the higher TellerScore (86 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Shell Western States Federal Credit Union leads on 1 and San Francisco Federal Credit Union on 6. 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.