Side-by-side · Q2 2026 data
West Coast Community Bank vs Monterey Credit Union
Metric by metric
| Measure | West Coast Community Bank | Monterey Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 50 |
| Capital cushion | 70 (stronger) | 38 |
| Loan quality | 83 (stronger) | 68 |
| Earnings | 100 (stronger) | 13 |
| Funding & liquidity | 26 | 73 (stronger) |
| Problem-loan coverage | 92 (stronger) | 81 |
| Peer percentile | 77th | 6th |
| Total assets | $2.9B | $360.5M |
| Deposits / shares | $2.5B | $296.4M |
| Capital ratio | 12.05% (stronger) | 8.75% |
| Problem loans | 0.50% (stronger) | 0.97% |
| Net charge-offs | 0.39% (stronger) | 0.70% |
| Return on assets | 2.02% (stronger) | -0.18% |
| Loans ÷ deposits | 88.6% | 87.5% (stronger) |
| Uninsured deposits | 56.3% | 0.0% (stronger) |
| Offices | 11 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 50.0% |
West Coast Community Bank has the higher TellerScore (75 vs 50). On the 7 directional measures above (where higher or lower is clearly better), West Coast Community Bank leads on 5 and Monterey Credit Union on 2. 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.