Side-by-side · Q2 2026 data
Sun Pacific Federal Credit Union vs San Francisco Federal Credit Union
Credit union
Sun Pacific Federal Credit Union
Richmond, California · Under $100 million in assets
Credit union
San Francisco Federal Credit Union
San Francisco, California · $1 billion – $10 billion
Metric by metric
| Measure | Sun Pacific Federal Credit Union | San Francisco Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 86 (stronger) |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 61 | 95 (stronger) |
| Earnings | 58 | 65 (stronger) |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 68th | 95th |
| Total assets | $29.9M | $1.6B |
| Deposits / shares | $24.9M | $1.2B |
| Capital ratio | 20.51% (stronger) | 13.63% |
| Problem loans | 1.16% | 0.15% (stronger) |
| Net charge-offs | 0.51% | 0.13% (stronger) |
| Return on assets | 0.96% | 1.12% (stronger) |
| Loans ÷ deposits | 42.3% (stronger) | 69.1% |
| Uninsured deposits | 8.3% (stronger) | 8.5% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
San Francisco Federal Credit Union has the higher TellerScore (86 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Sun Pacific Federal Credit Union leads on 3 and San Francisco Federal Credit Union on 4. 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.