Side-by-side · Q2 2026 data
California International Bank, N.A. vs Capstone Federal Credit Union
Bank
California International Bank, N.A.
Westminster, California · $100 million – $1 billion
Credit union
Capstone Federal Credit Union
Aliso Viejo, California · Under $100 million in assets
Metric by metric
| Measure | California International Bank, N.A. | Capstone Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 62 |
| Capital cushion | 85 (stronger) | 78 |
| Loan quality | 100 (stronger) | 44 |
| Earnings | 89 (stronger) | 19 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 94th | 24th |
| Total assets | $120.9M | $31.9M |
| Deposits / shares | $105.9M | $27.9M |
| Capital ratio | 13.51% (stronger) | 12.75% |
| Problem loans | 0.00% (stronger) | 1.69% |
| Net charge-offs | 0.00% (stronger) | 0.35% |
| Return on assets | 1.71% (stronger) | -0.03% |
| Loans ÷ deposits | 76.7% | 44.9% (stronger) |
| Uninsured deposits | 27.3% | 3.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
California International Bank, N.A. has the higher TellerScore (89 vs 62). On the 7 directional measures above (where higher or lower is clearly better), California International Bank, N.A. leads on 5 and Capstone Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.