Side-by-side · Q2 2026 data
Sonoma Federal Credit Union vs Bay Cities Credit Union
Metric by metric
| Measure | Sonoma Federal Credit Union | Bay Cities Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 77 |
| Capital cushion | 85 (stronger) | 77 |
| Loan quality | 79 (stronger) | 71 |
| Earnings | 87 (stronger) | 59 |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 72nd | 57th |
| Total assets | $80.0M | $77.6M |
| Deposits / shares | $69.0M | $67.4M |
| Capital ratio | 13.50% (stronger) | 12.70% |
| Problem loans | 0.63% (stronger) | 0.86% |
| Net charge-offs | 0.00% (stronger) | 0.83% |
| Return on assets | 1.67% (stronger) | 0.99% |
| Loans ÷ deposits | 82.2% | 45.5% (stronger) |
| Uninsured deposits | 16.1% | 5.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 42.3% | — |
Sonoma Federal Credit Union has the higher TellerScore (83 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Sonoma Federal Credit Union leads on 5 and Bay Cities Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.