Side-by-side · Q2 2026 data
California Adventist Federal Credit Union vs El Monte Community Credit Union
Credit union
California Adventist Federal Credit Union
Glendale, California · Under $100 million in assets
Credit union
El Monte Community Credit Union
El Monte, California · Under $100 million in assets
Metric by metric
| Measure | California Adventist Federal Credit Union | El Monte Community Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 99 (stronger) | 98 |
| Earnings | 57 (stronger) | 50 |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 87th | 54th |
| Total assets | $44.7M | $34.4M |
| Deposits / shares | $35.5M | $30.3M |
| Capital ratio | 20.11% (stronger) | 10.44% |
| Problem loans | 0.04% (stronger) | 0.06% |
| Net charge-offs | -0.02% (stronger) | 0.39% |
| Return on assets | 0.92% (stronger) | 0.74% |
| Loans ÷ deposits | 76.0% | 59.6% (stronger) |
| Uninsured deposits | 0.8% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
California Adventist Federal Credit Union has the higher TellerScore (89 vs 76). On the 7 directional measures above (where higher or lower is clearly better), California Adventist Federal Credit Union leads on 5 and El Monte Community Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.