Side-by-side · Q2 2026 data
Westamerica Bank vs Tulare County Federal Credit Union
Credit union
Tulare County Federal Credit Union
Tulare, California · $100 million – $1 billion
Metric by metric
| Measure | Westamerica Bank | Tulare County Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 48 |
| Capital cushion | 53 (stronger) | 19 |
| Loan quality | 96 (stronger) | 75 |
| Earnings | 94 (stronger) | 24 |
| Funding & liquidity | 62 | 73 (stronger) |
| Problem-loan coverage | 100 (stronger) | 82 |
| Peer percentile | 86th | 4th |
| Total assets | $5.8B | $166.6M |
| Deposits / shares | $4.8B | $143.9M |
| Capital ratio | 10.27% (stronger) | 6.91% |
| Problem loans | 0.12% (stronger) | 0.74% |
| Net charge-offs | 0.14% (stronger) | 0.24% |
| Return on assets | 1.84% (stronger) | 0.11% |
| Loans ÷ deposits | 13.8% (stronger) | 87.0% |
| Uninsured deposits | 49.6% | 3.7% (stronger) |
| Offices | 75 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.4% |
Westamerica Bank has the higher TellerScore (78 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Westamerica Bank leads on 6 and Tulare County Federal 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.