Side-by-side · Q2 2026 data
SoFi Bank, National Association vs Comenity Capital Bank
Metric by metric
| Measure | SoFi Bank, National Association | Comenity Capital Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 58 |
| Capital cushion | 83 (stronger) | 78 |
| Loan quality | 97 (stronger) | 0 |
| Earnings | 99 (stronger) | 86 |
| Funding & liquidity | 60 | 65 (stronger) |
| Problem-loan coverage | 99 (stronger) | 76 |
| Peer percentile | 99th | 20th |
| Total assets | $56.8B | $13.9B |
| Deposits / shares | $46.8B | $11.0B |
| Capital ratio | 13.34% (stronger) | 12.84% |
| Problem loans | 0.08% (stronger) | 3.21% |
| Net charge-offs | 0.08% (stronger) | 7.59% |
| Return on assets | 1.98% (stronger) | 1.65% |
| Loans ÷ deposits | 99.8% | 95.0% (stronger) |
| Uninsured deposits | 5.0% (stronger) | 8.8% |
| Offices | 4 | 2 |
| 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 58). On the 7 directional measures above (where higher or lower is clearly better), SoFi Bank, National Association leads on 6 and Comenity Capital Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.