Side-by-side · Q2 2026 data
Westamerica Bank vs Families and Schools Together Federal Credit Union
Credit union
Families and Schools Together Federal Credit Union
Hanford, California · $100 million – $1 billion
Metric by metric
| Measure | Westamerica Bank | Families and Schools Together Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 92 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 96 (stronger) | 88 |
| Earnings | 94 | 100 (stronger) |
| Funding & liquidity | 62 | 67 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 86th | 97th |
| Total assets | $5.8B | $329.6M |
| Deposits / shares | $4.8B | $260.3M |
| Capital ratio | 10.27% | 20.04% (stronger) |
| Problem loans | 0.12% (stronger) | 0.37% |
| Net charge-offs | 0.14% (stronger) | 0.30% |
| Return on assets | 1.84% | 2.52% (stronger) |
| Loans ÷ deposits | 13.8% (stronger) | 93.2% |
| Uninsured deposits | 49.6% | 12.6% (stronger) |
| Offices | 75 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 41.3% |
Families and Schools Together Federal Credit Union has the higher TellerScore (92 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Westamerica Bank leads on 3 and Families and Schools Together 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.