Side-by-side · Q2 2026 data
Capital Bank and Trust Company vs Certified Federal Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Metric by metric
| Measure | Capital Bank and Trust Company | Certified Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 88 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 61 | 79 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 98th | 92nd |
| Total assets | $266.1M | $925.3M |
| Deposits / shares | $500K | $723.9M |
| Capital ratio | 79.26% (stronger) | 20.71% |
| Problem loans | 0.00% (stronger) | 0.37% |
| Net charge-offs | 0.00% (stronger) | 0.97% |
| Return on assets | 81.14% (stronger) | 1.24% |
| Loans ÷ deposits | 0.0% (stronger) | 80.9% |
| Uninsured deposits | 50.0% | 9.9% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Capital Bank and Trust Company has the higher TellerScore (94 vs 88). On the 7 directional measures above (where higher or lower is clearly better), Capital Bank and Trust Company leads on 6 and Certified Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.