Side-by-side · Q2 2026 data
Sonoma Federal Credit Union vs Calcom Federal Credit Union
Metric by metric
| Measure | Sonoma Federal Credit Union | Calcom Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 82 |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 79 | 86 (stronger) |
| Earnings | 87 (stronger) | 48 |
| Funding & liquidity | 77 (stronger) | 74 |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 72nd | 70th |
| Total assets | $80.0M | $83.9M |
| Deposits / shares | $69.0M | $70.0M |
| Capital ratio | 13.50% | 16.33% (stronger) |
| Problem loans | 0.63% | 0.42% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.17% |
| Return on assets | 1.67% (stronger) | 0.71% |
| Loans ÷ deposits | 82.2% (stronger) | 86.2% |
| Uninsured deposits | 16.1% | 8.5% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 42.3% | — |
Sonoma Federal Credit Union has the higher TellerScore (83 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Sonoma Federal Credit Union leads on 4 and Calcom Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.