Side-by-side · Q2 2026 data
Summit State 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 State Bank | Sea West Coast Guard Federal Credit Union |
|---|---|---|
| TellerScore | 42 | 83 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 19 | 100 (stronger) |
| Earnings | 23 | 29 (stronger) |
| Funding & liquidity | 62 | 79 (stronger) |
| Problem-loan coverage | 64 | 100 (stronger) |
| Peer percentile | 3rd | 83rd |
| Total assets | $959.8M | $377.9M |
| Deposits / shares | $846.1M | $299.9M |
| Capital ratio | 10.84% | 20.17% (stronger) |
| Problem loans | 2.43% | 0.01% (stronger) |
| Net charge-offs | 2.17% | 0.06% (stronger) |
| Return on assets | 0.07% | 0.22% (stronger) |
| Loans ÷ deposits | 88.2% | 79.4% (stronger) |
| Uninsured deposits | 24.4% | 16.3% (stronger) |
| Offices | 4 | 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 42). On the 7 directional measures above (where higher or lower is clearly better), Summit State 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.