Side-by-side · Q2 2026 data
Travis Credit Union vs 1st Northern California Credit Union
Credit union
1st Northern California Credit Union
Martinez, California · $100 million – $1 billion
Metric by metric
| Measure | Travis Credit Union | 1st Northern California Credit Union |
|---|---|---|
| TellerScore | 65 | 79 (stronger) |
| Capital cushion | 54 | 68 (stronger) |
| Loan quality | 78 | 99 (stronger) |
| Earnings | 50 (stronger) | 42 |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 41st | 76th |
| Total assets | $5.9B | $829.0M |
| Deposits / shares | $4.8B | $720.1M |
| Capital ratio | 10.44% | 11.81% (stronger) |
| Problem loans | 0.67% | 0.03% (stronger) |
| Net charge-offs | 0.64% | 0.08% (stronger) |
| Return on assets | 0.75% (stronger) | 0.55% |
| Loans ÷ deposits | 92.1% | 58.3% (stronger) |
| Uninsured deposits | 12.1% | 8.3% (stronger) |
| Offices | 21 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.2% | — |
1st Northern California Credit Union has the higher TellerScore (79 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Travis Credit Union leads on 1 and 1st Northern California Credit Union on 6. 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.