Side-by-side · Q2 2026 data
SoFi Bank, National Association vs Sacramento Credit Union
Metric by metric
| Measure | SoFi Bank, National Association | Sacramento Credit Union |
|---|---|---|
| TellerScore | 88 | 96 (stronger) |
| Capital cushion | 83 | 100 (stronger) |
| Loan quality | 97 | 97 |
| Earnings | 99 (stronger) | 88 |
| Funding & liquidity | 60 | 95 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 99th | 99th |
| Total assets | $56.8B | $858.3M |
| Deposits / shares | $46.8B | $722.4M |
| Capital ratio | 13.34% | 15.14% (stronger) |
| Problem loans | 0.08% (stronger) | 0.09% |
| Net charge-offs | 0.08% | 0.07% (stronger) |
| Return on assets | 1.98% (stronger) | 1.69% |
| Loans ÷ deposits | 99.8% | 65.5% (stronger) |
| Uninsured deposits | 5.0% (stronger) | 12.0% |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | 7,444 | — |
| Complaints per $1B deposits | 159.1 | — |
| Mortgage denial rate (HMDA) | — | 28.5% |
Sacramento Credit Union has the higher TellerScore (96 vs 88). On the 7 directional measures above (where higher or lower is clearly better), SoFi Bank, National Association leads on 3 and Sacramento Credit Union on 4. 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.