Side-by-side · Q2 2026 data
Caltech Employees Federal Credit Union vs California Adventist Federal Credit Union
Credit union
Caltech Employees Federal Credit Union
La Canada, California · $1 billion – $10 billion
Credit union
California Adventist Federal Credit Union
Glendale, California · Under $100 million in assets
Metric by metric
| Measure | Caltech Employees Federal Credit Union | California Adventist Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 89 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 99 | 99 |
| Earnings | 25 | 57 (stronger) |
| Funding & liquidity | 100 (stronger) | 84 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 58th | 87th |
| Total assets | $2.1B | $44.7M |
| Deposits / shares | $1.6B | $35.5M |
| Capital ratio | 10.08% | 20.11% (stronger) |
| Problem loans | 0.02% (stronger) | 0.04% |
| Net charge-offs | 0.06% | -0.02% (stronger) |
| Return on assets | 0.13% | 0.92% (stronger) |
| Loans ÷ deposits | 44.7% (stronger) | 76.0% |
| Uninsured deposits | 15.6% | 0.8% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.4% | — |
California Adventist Federal Credit Union has the higher TellerScore (89 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Caltech Employees Federal Credit Union leads on 2 and California Adventist Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.