Side-by-side · Q2 2026 data
Sun Community Federal Credit Union vs 1st Northern California Credit Union
Credit union
Sun Community Federal Credit Union
El Centro, California · $100 million – $1 billion
Credit union
1st Northern California Credit Union
Martinez, California · $100 million – $1 billion
Metric by metric
| Measure | Sun Community Federal Credit Union | 1st Northern California Credit Union |
|---|---|---|
| TellerScore | 56 | 79 (stronger) |
| Capital cushion | 34 | 68 (stronger) |
| Loan quality | 92 | 99 (stronger) |
| Earnings | 10 | 42 (stronger) |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 13th | 76th |
| Total assets | $895.6M | $829.0M |
| Deposits / shares | $803.4M | $720.1M |
| Capital ratio | 8.40% | 11.81% (stronger) |
| Problem loans | 0.25% | 0.03% (stronger) |
| Net charge-offs | 1.73% | 0.08% (stronger) |
| Return on assets | -0.25% | 0.55% (stronger) |
| Loans ÷ deposits | 84.3% | 58.3% (stronger) |
| Uninsured deposits | 17.8% | 8.3% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | — |
1st Northern California Credit Union has the higher TellerScore (79 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Sun Community Federal Credit Union leads on 0 and 1st Northern California Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.