Side-by-side · Q2 2026 data
Sierra Central Credit Union vs San Francisco Fire Credit Union
Credit union
San Francisco Fire Credit Union
San Francisco, California · $1 billion – $10 billion
Metric by metric
| Measure | Sierra Central Credit Union | San Francisco Fire Credit Union |
|---|---|---|
| TellerScore | 67 | 70 (stronger) |
| Capital cushion | 50 | 57 (stronger) |
| Loan quality | 82 | 82 |
| Earnings | 48 | 51 (stronger) |
| Funding & liquidity | 86 (stronger) | 85 |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 47th | 58th |
| Total assets | $1.5B | $1.6B |
| Deposits / shares | $1.3B | $1.5B |
| Capital ratio | 10.00% | 10.72% (stronger) |
| Problem loans | 0.55% | 0.54% (stronger) |
| Net charge-offs | 1.00% | 0.12% (stronger) |
| Return on assets | 0.71% | 0.78% (stronger) |
| Loans ÷ deposits | 74.5% (stronger) | 74.8% |
| Uninsured deposits | 8.1% | 0.0% (stronger) |
| Offices | 15 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.9% | 23.7% |
San Francisco Fire Credit Union has the higher TellerScore (70 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Sierra Central Credit Union leads on 1 and San Francisco Fire Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.