Side-by-side · Q2 2026 data
US Metro Bank vs Santa Ana Federal Credit Union
Credit union
Santa Ana Federal Credit Union
Santa Ana, California · $100 million – $1 billion
Metric by metric
| Measure | US Metro Bank | Santa Ana Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 90 (stronger) |
| Capital cushion | 54 | 85 (stronger) |
| Loan quality | 49 | 98 (stronger) |
| Earnings | 60 | 81 (stronger) |
| Funding & liquidity | 30 | 90 (stronger) |
| Problem-loan coverage | 73 | 99 (stronger) |
| Peer percentile | 9th | 95th |
| Total assets | $1.6B | $111.6M |
| Deposits / shares | $1.4B | $95.7M |
| Capital ratio | 10.42% | 13.47% (stronger) |
| Problem loans | 1.54% | 0.06% (stronger) |
| Net charge-offs | 0.38% | -0.01% (stronger) |
| Return on assets | 1.01% | 1.52% (stronger) |
| Loans ÷ deposits | 94.2% | 70.6% (stronger) |
| Uninsured deposits | 47.7% | 4.3% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Santa Ana Federal Credit Union has the higher TellerScore (90 vs 52). On the 7 directional measures above (where higher or lower is clearly better), US Metro Bank leads on 0 and Santa Ana Federal Credit Union on 7. 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.