Side-by-side · Q2 2026 data
Beach Cities Commercial Bank vs Certified Federal Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Metric by metric
| Measure | Beach Cities Commercial Bank | Certified Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 88 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 18 | 70 (stronger) |
| Funding & liquidity | 33 | 79 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 16th | 92nd |
| Total assets | $188.9M | $925.3M |
| Deposits / shares | $139.6M | $723.9M |
| Capital ratio | 9.81% | 20.71% (stronger) |
| Problem loans | 0.00% (stronger) | 0.37% |
| Net charge-offs | 0.00% (stronger) | 0.97% |
| Return on assets | -0.04% | 1.24% (stronger) |
| Loans ÷ deposits | 109.0% | 80.9% (stronger) |
| Uninsured deposits | 31.4% | 9.9% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Certified Federal Credit Union has the higher TellerScore (88 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Beach Cities Commercial Bank leads on 2 and Certified Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.