Side-by-side · Q2 2026 data
Vida Federal Credit Union vs San Joaquin Power Employees Credit Union
Credit union
San Joaquin Power Employees Credit Union
Fresno, California · $100 million – $1 billion
Metric by metric
| Measure | Vida Federal Credit Union | San Joaquin Power Employees Credit Union |
|---|---|---|
| TellerScore | 83 | 84 (stronger) |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 96 | 99 (stronger) |
| Earnings | 39 | 42 (stronger) |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 83rd | 86th |
| Total assets | $174.6M | $174.9M |
| Deposits / shares | $150.4M | $144.9M |
| Capital ratio | 13.75% | 15.39% (stronger) |
| Problem loans | 0.13% | 0.04% (stronger) |
| Net charge-offs | 0.34% | 0.05% (stronger) |
| Return on assets | 0.49% | 0.55% (stronger) |
| Loans ÷ deposits | 59.0% (stronger) | 87.0% |
| Uninsured deposits | 5.5% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.5% |
San Joaquin Power Employees Credit Union has the higher TellerScore (84 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Vida Federal Credit Union leads on 1 and San Joaquin Power Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.