Side-by-side · Q2 2026 data
Southwest Capital Bank vs Sandia Area Federal Credit Union
Credit union
Sandia Area Federal Credit Union
Albuquerque, New Mexico · $1 billion – $10 billion
Metric by metric
| Measure | Southwest Capital Bank | Sandia Area Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 75 (stronger) |
| Capital cushion | 58 | 64 (stronger) |
| Loan quality | 45 | 95 (stronger) |
| Earnings | 69 (stronger) | 68 |
| Funding & liquidity | 68 (stronger) | 60 |
| Problem-loan coverage | 84 | 97 (stronger) |
| Peer percentile | 20th | 75th |
| Total assets | $482.9M | $1.4B |
| Deposits / shares | $432.3M | $1.3B |
| Capital ratio | 10.82% | 11.44% (stronger) |
| Problem loans | 1.66% | 0.15% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.25% |
| Return on assets | 1.23% (stronger) | 1.21% |
| Loans ÷ deposits | 55.2% (stronger) | 99.8% |
| Uninsured deposits | 43.9% | 13.6% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sandia Area Federal Credit Union has the higher TellerScore (75 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Southwest Capital Bank leads on 3 and Sandia Area Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.