Side-by-side · Q2 2026 data
American Plus Bank, N.A. vs Certified Federal Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Metric by metric
| Measure | American Plus Bank, N.A. | Certified Federal Credit Union |
|---|---|---|
| TellerScore | 88 | 88 |
| Capital cushion | 100 | 100 |
| Loan quality | 99 (stronger) | 88 |
| Earnings | 92 (stronger) | 70 |
| Funding & liquidity | 34 | 79 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 92nd | 92nd |
| Total assets | $935.0M | $925.3M |
| Deposits / shares | $748.0M | $723.9M |
| Capital ratio | 16.46% | 20.71% (stronger) |
| Problem loans | 0.04% (stronger) | 0.37% |
| Net charge-offs | 0.00% (stronger) | 0.97% |
| Return on assets | 1.81% (stronger) | 1.24% |
| Loans ÷ deposits | 105.9% | 80.9% (stronger) |
| Uninsured deposits | 33.5% | 9.9% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), American Plus Bank, N.A. leads on 3 and Certified Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.