Side-by-side · Q2 2026 data
Sonoma Federal Credit Union vs Nikkei Credit Union
Metric by metric
| Measure | Sonoma Federal Credit Union | Nikkei Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 53 |
| Capital cushion | 85 | 92 (stronger) |
| Loan quality | 79 (stronger) | 10 |
| Earnings | 87 (stronger) | 25 |
| Funding & liquidity | 77 | 78 (stronger) |
| Problem-loan coverage | 92 (stronger) | 58 |
| Peer percentile | 72nd | 12th |
| Total assets | $80.0M | $81.5M |
| Deposits / shares | $69.0M | $69.6M |
| Capital ratio | 13.50% | 14.23% (stronger) |
| Problem loans | 0.63% (stronger) | 2.69% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.67% (stronger) | 0.13% |
| Loans ÷ deposits | 82.2% (stronger) | 82.5% |
| Uninsured deposits | 16.1% | 0.7% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 42.3% | 0.0% |
Sonoma Federal Credit Union has the higher TellerScore (83 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Sonoma Federal Credit Union leads on 5 and Nikkei Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.