Side-by-side · Q2 2026 data
SoFi Bank, National Association vs First U.S. Community Credit Union
Credit union
First U.S. Community Credit Union
Sacramento, California · $100 million – $1 billion
Metric by metric
| Measure | SoFi Bank, National Association | First U.S. Community Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 67 |
| Capital cushion | 83 (stronger) | 70 |
| Loan quality | 97 (stronger) | 69 |
| Earnings | 99 (stronger) | 33 |
| Funding & liquidity | 60 | 86 (stronger) |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 99th | 41st |
| Total assets | $56.8B | $547.9M |
| Deposits / shares | $46.8B | $481.8M |
| Capital ratio | 13.34% (stronger) | 11.95% |
| Problem loans | 0.08% (stronger) | 0.92% |
| Net charge-offs | 0.08% (stronger) | 0.60% |
| Return on assets | 1.98% (stronger) | 0.32% |
| Loans ÷ deposits | 99.8% | 74.5% (stronger) |
| Uninsured deposits | 5.0% (stronger) | 11.4% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | 7,444 | — |
| Complaints per $1B deposits | 159.1 | — |
| Mortgage denial rate (HMDA) | — | 18.8% |
SoFi Bank, National Association has the higher TellerScore (88 vs 67). On the 7 directional measures above (where higher or lower is clearly better), SoFi Bank, National Association leads on 6 and First U.S. Community Credit Union on 1. 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.