Side-by-side · Q2 2026 data
Summit Bank vs San Mateo City Employees Federal Credit Union
Credit union
San Mateo City Employees Federal Credit Union
San Mateo, California · Under $100 million in assets
Metric by metric
| Measure | Summit Bank | San Mateo City Employees Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 87 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 51 | 100 (stronger) |
| Earnings | 0 | 34 (stronger) |
| Funding & liquidity | 35 | 100 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 14th | 83rd |
| Total assets | $264.4M | $31.8M |
| Deposits / shares | $207.6M | $25.9M |
| Capital ratio | 16.37% | 18.36% (stronger) |
| Problem loans | 1.48% | 0.00% (stronger) |
| Net charge-offs | 0.72% (stronger) | 1.53% |
| Return on assets | -3.45% | 0.34% (stronger) |
| Loans ÷ deposits | 92.2% | 18.2% (stronger) |
| Uninsured deposits | 45.1% | 12.7% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
San Mateo City Employees Federal Credit Union has the higher TellerScore (87 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Summit Bank leads on 1 and San Mateo City Employees 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.