Side-by-side · Q2 2026 data
Stanford Federal Credit Union vs Pacific Service Credit Union
Metric by metric
| Measure | Stanford Federal Credit Union | Pacific Service Credit Union |
|---|---|---|
| TellerScore | 73 | 82 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 93 (stronger) | 88 |
| Earnings | 60 (stronger) | 50 |
| Funding & liquidity | 61 | 70 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 70th | 91st |
| Total assets | $4.6B | $1.3B |
| Deposits / shares | $3.6B | $1.1B |
| Capital ratio | 11.21% | 15.54% (stronger) |
| Problem loans | 0.21% (stronger) | 0.35% |
| Net charge-offs | 0.14% (stronger) | 0.58% |
| Return on assets | 1.01% (stronger) | 0.76% |
| Loans ÷ deposits | 96.7% | 90.6% (stronger) |
| Uninsured deposits | 17.5% | 4.5% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | 18.9% |
Pacific Service Credit Union has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Stanford Federal Credit Union leads on 3 and Pacific Service Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.