Side-by-side · Q2 2026 data
U.S. Bank National Association vs Sun Community Federal Credit Union
Credit union
Sun Community Federal Credit Union
El Centro, California · $100 million – $1 billion
Metric by metric
| Measure | U.S. Bank National Association | Sun Community Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 56 (stronger) |
| Capital cushion | 45 (stronger) | 34 |
| Loan quality | 52 | 92 (stronger) |
| Earnings | 69 (stronger) | 10 |
| Funding & liquidity | 44 | 73 (stronger) |
| Problem-loan coverage | 84 | 94 (stronger) |
| Peer percentile | 6th | 13th |
| Total assets | $705.6B | $895.6M |
| Deposits / shares | $541.9B | $803.4M |
| Capital ratio | 9.49% (stronger) | 8.40% |
| Problem loans | 1.45% | 0.25% (stronger) |
| Net charge-offs | 0.54% (stronger) | 1.73% |
| Return on assets | 1.23% (stronger) | -0.25% |
| Loans ÷ deposits | 74.9% (stronger) | 84.3% |
| Uninsured deposits | 52.2% | 17.8% (stronger) |
| Offices | 2,076 | 6 |
| CFPB complaints (3 yrs) | 16,475 | — |
| Complaints per $1B deposits | 30.4 | — |
| Mortgage denial rate (HMDA) | 39.5% | 5.3% |
Sun Community Federal Credit Union has the higher TellerScore (56 vs 55). On the 7 directional measures above (where higher or lower is clearly better), U.S. Bank National Association leads on 4 and Sun Community Federal Credit Union on 3. 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.