Side-by-side · Q2 2026 data
Westamerica Bank vs Community First Credit Union
Metric by metric
| Measure | Westamerica Bank | Community First Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 64 |
| Capital cushion | 53 | 53 |
| Loan quality | 96 (stronger) | 59 |
| Earnings | 94 (stronger) | 66 |
| Funding & liquidity | 62 | 78 (stronger) |
| Problem-loan coverage | 100 (stronger) | 80 |
| Peer percentile | 86th | 31st |
| Total assets | $5.8B | $921.0M |
| Deposits / shares | $4.8B | $813.4M |
| Capital ratio | 10.27% (stronger) | 10.25% |
| Problem loans | 0.12% (stronger) | 1.22% |
| Net charge-offs | 0.14% (stronger) | 0.66% |
| Return on assets | 1.84% (stronger) | 1.15% |
| Loans ÷ deposits | 13.8% (stronger) | 82.2% |
| Uninsured deposits | 49.6% | 8.9% (stronger) |
| Offices | 75 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Westamerica Bank has the higher TellerScore (78 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Westamerica Bank leads on 6 and Community First Credit Union on 1. 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
- Santa Rosa, CA
- Napa, CA
- Healdsburg, CA
- Lakeport, CA
- Sebastopol, CA
- Clearlake, CA
- Ukiah, CA
- Guerneville, CA