Side-by-side · Q2 2026 data
Yolo Federal Credit Union vs Befit Financial Federal Credit Union
Credit union
Befit Financial Federal Credit Union
Vacaville, California · Under $100 million in assets
Metric by metric
| Measure | Yolo Federal Credit Union | Befit Financial Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 60 |
| Capital cushion | 80 (stronger) | 50 |
| Loan quality | 74 (stronger) | 60 |
| Earnings | 69 (stronger) | 32 |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 90 (stronger) | 88 |
| Peer percentile | 68th | 22nd |
| Total assets | $412.4M | $38.2M |
| Deposits / shares | $340.5M | $34.1M |
| Capital ratio | 12.97% (stronger) | 10.02% |
| Problem loans | 0.78% (stronger) | 1.20% |
| Net charge-offs | 0.11% (stronger) | 0.25% |
| Return on assets | 1.22% (stronger) | 0.30% |
| Loans ÷ deposits | 89.7% | 55.7% (stronger) |
| Uninsured deposits | 4.7% (stronger) | 5.2% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 41.4% | — |
Yolo Federal Credit Union has the higher TellerScore (76 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Yolo Federal Credit Union leads on 6 and Befit Financial 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.