Side-by-side · Q2 2026 data
BAC Community Bank vs Certified Federal Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Metric by metric
| Measure | BAC Community Bank | Certified Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 88 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 94 (stronger) | 88 |
| Earnings | 51 | 70 (stronger) |
| Funding & liquidity | 79 | 79 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 61st | 92nd |
| Total assets | $761.9M | $925.3M |
| Deposits / shares | $673.0M | $723.9M |
| Capital ratio | 11.44% | 20.71% (stronger) |
| Problem loans | 0.18% (stronger) | 0.37% |
| Net charge-offs | 0.02% (stronger) | 0.97% |
| Return on assets | 0.77% | 1.24% (stronger) |
| Loans ÷ deposits | 67.1% (stronger) | 80.9% |
| Uninsured deposits | 28.0% | 9.9% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Certified Federal Credit Union has the higher TellerScore (88 vs 75). On the 7 directional measures above (where higher or lower is clearly better), BAC Community Bank leads on 3 and Certified Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.