Side-by-side · Q2 2026 data
Sun Pacific Federal Credit Union vs Capstone Federal Credit Union
Credit union
Sun Pacific Federal Credit Union
Richmond, California · Under $100 million in assets
Credit union
Capstone Federal Credit Union
Aliso Viejo, California · Under $100 million in assets
Metric by metric
| Measure | Sun Pacific Federal Credit Union | Capstone Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 62 |
| Capital cushion | 100 (stronger) | 78 |
| Loan quality | 61 (stronger) | 44 |
| Earnings | 58 (stronger) | 19 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 68th | 24th |
| Total assets | $29.9M | $31.9M |
| Deposits / shares | $24.9M | $27.9M |
| Capital ratio | 20.51% (stronger) | 12.75% |
| Problem loans | 1.16% (stronger) | 1.69% |
| Net charge-offs | 0.51% | 0.35% (stronger) |
| Return on assets | 0.96% (stronger) | -0.03% |
| Loans ÷ deposits | 42.3% (stronger) | 44.9% |
| Uninsured deposits | 8.3% | 3.4% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sun Pacific Federal Credit Union has the higher TellerScore (81 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Sun Pacific Federal Credit Union leads on 5 and Capstone Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.