Side-by-side · Q2 2026 data
United Business Bank vs San Francisco Federal Credit Union
Credit union
San Francisco Federal Credit Union
San Francisco, California · $1 billion – $10 billion
Metric by metric
| Measure | United Business Bank | San Francisco Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 86 (stronger) |
| Capital cushion | 67 | 86 (stronger) |
| Loan quality | 84 | 95 (stronger) |
| Earnings | 25 | 65 (stronger) |
| Funding & liquidity | 31 | 91 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 21st | 95th |
| Total assets | $2.6B | $1.6B |
| Deposits / shares | $2.2B | $1.2B |
| Capital ratio | 11.66% | 13.63% (stronger) |
| Problem loans | 0.47% | 0.15% (stronger) |
| Net charge-offs | 0.28% | 0.13% (stronger) |
| Return on assets | 0.12% | 1.12% (stronger) |
| Loans ÷ deposits | 94.4% | 69.1% (stronger) |
| Uninsured deposits | 46.5% | 8.5% (stronger) |
| Offices | 34 | 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 60). On the 7 directional measures above (where higher or lower is clearly better), United Business Bank leads on 0 and San Francisco Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.