Side-by-side · Q2 2026 data
Westamerica Bank vs Safe 1 Credit Union
Metric by metric
| Measure | Westamerica Bank | Safe 1 Credit Union |
|---|---|---|
| TellerScore | 78 | 90 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 96 (stronger) | 88 |
| Earnings | 94 (stronger) | 90 |
| Funding & liquidity | 62 | 68 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 86th | 98th |
| Total assets | $5.8B | $1.2B |
| Deposits / shares | $4.8B | $963.8M |
| Capital ratio | 10.27% | 16.03% (stronger) |
| Problem loans | 0.12% (stronger) | 0.37% |
| Net charge-offs | 0.14% (stronger) | 0.40% |
| Return on assets | 1.84% (stronger) | 1.74% |
| Loans ÷ deposits | 13.8% (stronger) | 92.4% |
| Uninsured deposits | 49.6% | 1.8% (stronger) |
| Offices | 75 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.3% |
Safe 1 Credit Union has the higher TellerScore (90 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Westamerica Bank leads on 4 and Safe 1 Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.