Side-by-side · Q2 2026 data
WaFd Bank vs Sage Federal Credit Union
Metric by metric
| Measure | WaFd Bank | Sage Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 62 (stronger) |
| Capital cushion | 42 | 51 (stronger) |
| Loan quality | 79 (stronger) | 71 |
| Earnings | 60 (stronger) | 38 |
| Funding & liquidity | 47 | 81 (stronger) |
| Problem-loan coverage | 92 (stronger) | 87 |
| Peer percentile | 32nd | 26th |
| Total assets | $27.6B | $385.1M |
| Deposits / shares | $21.1B | $343.2M |
| Capital ratio | 9.21% | 10.10% (stronger) |
| Problem loans | 0.63% (stronger) | 0.86% |
| Net charge-offs | 0.02% (stronger) | 0.50% |
| Return on assets | 0.99% (stronger) | 0.44% |
| Loans ÷ deposits | 95.1% | 79.3% (stronger) |
| Uninsured deposits | 31.1% | 8.1% (stronger) |
| Offices | 210 | 5 |
| CFPB complaints (3 yrs) | 93 | — |
| Complaints per $1B deposits | 4.4 | — |
| Mortgage denial rate (HMDA) | 18.8% | — |
Sage Federal Credit Union has the higher TellerScore (62 vs 61). On the 7 directional measures above (where higher or lower is clearly better), WaFd Bank leads on 3 and Sage Federal Credit Union on 4. 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.
Where both have branches
- Klamath Falls, OR
- Lakeview, OR