Side-by-side · Q2 2026 data
SoFi Bank, National Association vs Happen Bank, National Association
Metric by metric
| Measure | SoFi Bank, National Association | Happen Bank, National Association |
|---|---|---|
| TellerScore | 88 (stronger) | 79 |
| Capital cushion | 83 (stronger) | 60 |
| Loan quality | 97 (stronger) | 73 |
| Earnings | 99 (stronger) | 93 |
| Funding & liquidity | 60 | 97 (stronger) |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 99th | 94th |
| Total assets | $56.8B | $12.5B |
| Deposits / shares | $46.8B | $10.9B |
| Capital ratio | 13.34% (stronger) | 10.98% |
| Problem loans | 0.08% (stronger) | 0.82% |
| Net charge-offs | 0.08% (stronger) | 2.15% |
| Return on assets | 1.98% (stronger) | 1.82% |
| Loans ÷ deposits | 99.8% | 63.1% (stronger) |
| Uninsured deposits | 5.0% (stronger) | 12.0% |
| 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 79). On the 7 directional measures above (where higher or lower is clearly better), SoFi Bank, National Association leads on 6 and Happen Bank, National Association on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.