Side-by-side · Q2 2026 data
State Bank of India (California) vs California Adventist Federal Credit Union
Credit union
California Adventist Federal Credit Union
Glendale, California · Under $100 million in assets
Metric by metric
| Measure | State Bank of India (California) | California Adventist Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 89 (stronger) |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 63 | 99 (stronger) |
| Earnings | 64 (stronger) | 57 |
| Funding & liquidity | 31 | 84 (stronger) |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 53rd | 87th |
| Total assets | $1.4B | $44.7M |
| Deposits / shares | $1.2B | $35.5M |
| Capital ratio | 14.05% | 20.11% (stronger) |
| Problem loans | 1.11% | 0.04% (stronger) |
| Net charge-offs | 0.01% | -0.02% (stronger) |
| Return on assets | 1.10% (stronger) | 0.92% |
| Loans ÷ deposits | 98.8% | 76.0% (stronger) |
| Uninsured deposits | 42.2% | 0.8% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
California Adventist Federal Credit Union has the higher TellerScore (89 vs 69). On the 7 directional measures above (where higher or lower is clearly better), State Bank of India (California) leads on 1 and California Adventist Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.