Side-by-side · Q2 2026 data
SoFi Bank, National Association vs BMW Bank of North America
Metric by metric
| Measure | SoFi Bank, National Association | BMW Bank of North America |
|---|---|---|
| TellerScore | 88 (stronger) | 87 |
| Capital cushion | 83 (stronger) | 82 |
| Loan quality | 97 | 97 |
| Earnings | 99 | 100 (stronger) |
| Funding & liquidity | 60 (stronger) | 53 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 99th | 98th |
| Total assets | $56.8B | $13.8B |
| Deposits / shares | $46.8B | $9.5B |
| Capital ratio | 13.34% (stronger) | 13.24% |
| Problem loans | 0.08% (stronger) | 0.09% |
| Net charge-offs | 0.08% (stronger) | 0.20% |
| Return on assets | 1.98% | 2.29% (stronger) |
| Loans ÷ deposits | 99.8% (stronger) | 106.9% |
| Uninsured deposits | 5.0% | 3.4% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | 7,444 | — |
| Complaints per $1B deposits | 159.1 | — |
| Mortgage denial rate (HMDA) | — | — |
SoFi Bank, National Association has the higher TellerScore (88 vs 87). On the 7 directional measures above (where higher or lower is clearly better), SoFi Bank, National Association leads on 5 and BMW Bank of North America on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.