Side-by-side · Q2 2026 data
Sonoma Federal Credit Union vs Silverado Credit Union
Metric by metric
| Measure | Sonoma Federal Credit Union | Silverado Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 58 |
| Capital cushion | 85 (stronger) | 67 |
| Loan quality | 79 (stronger) | 63 |
| Earnings | 87 (stronger) | 16 |
| Funding & liquidity | 77 (stronger) | 71 |
| Problem-loan coverage | 92 (stronger) | 85 |
| Peer percentile | 72nd | 19th |
| Total assets | $80.0M | $47.9M |
| Deposits / shares | $69.0M | $41.9M |
| Capital ratio | 13.50% (stronger) | 11.72% |
| Problem loans | 0.63% (stronger) | 1.12% |
| Net charge-offs | 0.00% (stronger) | 0.14% |
| Return on assets | 1.67% (stronger) | -0.11% |
| Loans ÷ deposits | 82.2% (stronger) | 89.7% |
| Uninsured deposits | 16.1% | 9.8% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 42.3% | — |
Sonoma Federal Credit Union has the higher TellerScore (83 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Sonoma Federal Credit Union leads on 6 and Silverado Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.