Side-by-side · Q2 2026 data
SoFi Bank, National Association vs The Golden 1 Credit Union
Metric by metric
| Measure | SoFi Bank, National Association | The Golden 1 Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 62 |
| Capital cushion | 83 (stronger) | 49 |
| Loan quality | 97 (stronger) | 73 |
| Earnings | 99 (stronger) | 41 |
| Funding & liquidity | 60 | 78 (stronger) |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 99th | 42nd |
| Total assets | $56.8B | $22.2B |
| Deposits / shares | $46.8B | $19.9B |
| Capital ratio | 13.34% (stronger) | 9.91% |
| Problem loans | 0.08% (stronger) | 0.80% |
| Net charge-offs | 0.08% (stronger) | 0.82% |
| Return on assets | 1.98% (stronger) | 0.52% |
| Loans ÷ deposits | 99.8% | 82.5% (stronger) |
| Uninsured deposits | 5.0% (stronger) | 6.9% |
| Offices | 4 | 59 |
| CFPB complaints (3 yrs) | 7,444 | 553 |
| Complaints per $1B deposits | 159.1 | 27.8 (stronger) |
| Mortgage denial rate (HMDA) | — | — |
SoFi Bank, National Association has the higher TellerScore (88 vs 62). On the 8 directional measures above (where higher or lower is clearly better), SoFi Bank, National Association leads on 6 and The Golden 1 Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.