TellerScore

Side-by-side · Q2 2026 data

West Coast Community Bank vs Sesloc Credit Union

Bank

West Coast Community Bank

Santa Cruz, California · $1 billion – $10 billion

75of 100
Strong

Credit union

Sesloc Credit Union

San Luis Obispo, California · $1 billion – $10 billion

64of 100
Moderate

Metric by metric

MeasureWest Coast Community BankSesloc Credit Union
TellerScore75 (stronger)64
Capital cushion70 (stronger)44
Loan quality8387 (stronger)
Earnings100 (stronger)41
Funding & liquidity2677 (stronger)
Problem-loan coverage9293 (stronger)
Peer percentile77th36th
Total assets$2.9B$1.3B
Deposits / shares$2.5B$1.1B
Capital ratio12.05% (stronger)9.41%
Problem loans0.50%0.40% (stronger)
Net charge-offs0.39%0.34% (stronger)
Return on assets2.02% (stronger)0.53%
Loans ÷ deposits88.6%83.2% (stronger)
Uninsured deposits56.3%11.5% (stronger)
Offices117
CFPB complaints (3 yrs)——
Complaints per $1B deposits——
Mortgage denial rate (HMDA)——

West Coast Community Bank has the higher TellerScore (75 vs 64). On the 7 directional measures above (where higher or lower is clearly better), West Coast Community Bank leads on 3 and Sesloc Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.

Where both have branches

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