Side-by-side · Q2 2026 data
California International Bank, N.A. vs Torrance Community Federal Credit Union
Bank
California International Bank, N.A.
Westminster, California · $100 million – $1 billion
Credit union
Torrance Community Federal Credit Union
Torrance, California · $100 million – $1 billion
Metric by metric
| Measure | California International Bank, N.A. | Torrance Community Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 73 |
| Capital cushion | 85 (stronger) | 52 |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 89 (stronger) | 43 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 94th | 60th |
| Total assets | $120.9M | $162.9M |
| Deposits / shares | $105.9M | $150.8M |
| Capital ratio | 13.51% (stronger) | 10.15% |
| Problem loans | 0.00% (stronger) | 0.13% |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 1.71% (stronger) | 0.57% |
| Loans ÷ deposits | 76.7% | 46.4% (stronger) |
| Uninsured deposits | 27.3% | 8.5% (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 73). On the 7 directional measures above (where higher or lower is clearly better), California International Bank, N.A. leads on 5 and Torrance Community Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.