Side-by-side · Q2 2026 data
Summit Bank vs Sea West Coast Guard Federal Credit Union
Credit union
Sea West Coast Guard Federal Credit Union
Oakland, California · $100 million – $1 billion
Metric by metric
| Measure | Summit Bank | Sea West Coast Guard Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 83 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 51 | 100 (stronger) |
| Earnings | 0 | 29 (stronger) |
| Funding & liquidity | 35 | 79 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 14th | 83rd |
| Total assets | $264.4M | $377.9M |
| Deposits / shares | $207.6M | $299.9M |
| Capital ratio | 16.37% | 20.17% (stronger) |
| Problem loans | 1.48% | 0.01% (stronger) |
| Net charge-offs | 0.72% | 0.06% (stronger) |
| Return on assets | -3.45% | 0.22% (stronger) |
| Loans ÷ deposits | 92.2% | 79.4% (stronger) |
| Uninsured deposits | 45.1% | 16.3% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.8% |
Sea West Coast Guard Federal Credit Union has the higher TellerScore (83 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Summit Bank leads on 0 and Sea West Coast Guard Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.