Side-by-side · Q2 2026 data
Balboa Thrift and Loan Association vs Certified Federal Credit Union
Bank
Balboa Thrift and Loan Association
Chula Vista, California · $100 million – $1 billion
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Metric by metric
| Measure | Balboa Thrift and Loan Association | Certified Federal Credit Union |
|---|---|---|
| TellerScore | 48 | 88 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 62 | 88 (stronger) |
| Earnings | 0 | 70 (stronger) |
| Funding & liquidity | 49 | 79 (stronger) |
| Problem-loan coverage | 85 | 97 (stronger) |
| Peer percentile | 6th | 92nd |
| Total assets | $394.5M | $925.3M |
| Deposits / shares | $348.3M | $723.9M |
| Capital ratio | 10.61% | 20.71% (stronger) |
| Problem loans | 1.14% | 0.37% (stronger) |
| Net charge-offs | 2.49% | 0.97% (stronger) |
| Return on assets | -0.70% | 1.24% (stronger) |
| Loans ÷ deposits | 99.4% | 80.9% (stronger) |
| Uninsured deposits | 25.5% | 9.9% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Certified Federal Credit Union has the higher TellerScore (88 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Balboa Thrift and Loan Association leads on 0 and Certified Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.