Side-by-side · Q2 2026 data
California Bank of Commerce, National Association vs Certified Federal Credit Union
Bank
California Bank of Commerce, National Association
San Diego, California · $1 billion – $10 billion
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Metric by metric
| Measure | California Bank of Commerce, National Association | Certified Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 88 (stronger) |
| Capital cushion | 78 | 100 (stronger) |
| Loan quality | 90 (stronger) | 88 |
| Earnings | 78 (stronger) | 70 |
| Funding & liquidity | 29 | 79 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 77th | 92nd |
| Total assets | $4.0B | $925.3M |
| Deposits / shares | $3.4B | $723.9M |
| Capital ratio | 12.80% | 20.71% (stronger) |
| Problem loans | 0.29% (stronger) | 0.37% |
| Net charge-offs | 0.01% (stronger) | 0.97% |
| Return on assets | 1.45% (stronger) | 1.24% |
| Loans ÷ deposits | 91.5% | 80.9% (stronger) |
| Uninsured deposits | 50.4% | 9.9% (stronger) |
| Offices | 14 | 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), California Bank of Commerce, National Association leads on 3 and Certified Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.