Side-by-side · Q2 2026 data
United Pacific Bank vs First Federal Savings and Loan Association of San Rafael
Bank
First Federal Savings and Loan Association of San Rafael
San Rafael, California · $100 million – $1 billion
Metric by metric
| Measure | United Pacific Bank | First Federal Savings and Loan Association of San Rafael |
|---|---|---|
| TellerScore | 57 | 76 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 16 | 100 (stronger) |
| Earnings | 36 (stronger) | 24 |
| Funding & liquidity | 50 (stronger) | 40 |
| Problem-loan coverage | 78 | 100 (stronger) |
| Peer percentile | 14th | 64th |
| Total assets | $191.0M | $222.1M |
| Deposits / shares | $156.8M | $178.3M |
| Capital ratio | 17.39% | 18.75% (stronger) |
| Problem loans | 2.51% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.40% (stronger) | 0.09% |
| Loans ÷ deposits | 96.9% (stronger) | 108.6% |
| Uninsured deposits | 26.6% | 25.4% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Federal Savings and Loan Association of San Rafael has the higher TellerScore (76 vs 57). On the 6 directional measures above (where higher or lower is clearly better), United Pacific Bank leads on 2 and First Federal Savings and Loan Association of San Rafael on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.