Side-by-side · Q2 2026 data
Westamerica Bank vs Star One Credit Union
Metric by metric
| Measure | Westamerica Bank | Star One Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 77 |
| Capital cushion | 53 | 91 (stronger) |
| Loan quality | 96 | 96 |
| Earnings | 94 (stronger) | 25 |
| Funding & liquidity | 62 | 71 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 86th | 82nd |
| Total assets | $5.8B | $9.7B |
| Deposits / shares | $4.8B | $8.4B |
| Capital ratio | 10.27% | 14.06% (stronger) |
| Problem loans | 0.12% (stronger) | 0.13% |
| Net charge-offs | 0.14% | 0.04% (stronger) |
| Return on assets | 1.84% (stronger) | 0.12% |
| Loans ÷ deposits | 13.8% (stronger) | 80.5% |
| Uninsured deposits | 49.6% | 22.9% (stronger) |
| Offices | 75 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 24.0% |
Westamerica Bank has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Westamerica Bank leads on 4 and Star One Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.