Side-by-side · Q2 2026 data
Certified Federal Credit Union vs 1st United Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Metric by metric
| Measure | Certified Federal Credit Union | 1st United Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 72 |
| Loan quality | 88 | 92 (stronger) |
| Earnings | 70 (stronger) | 50 |
| Funding & liquidity | 79 | 87 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 92nd | 82nd |
| Total assets | $925.3M | $1.3B |
| Deposits / shares | $723.9M | $1.1B |
| Capital ratio | 20.71% (stronger) | 12.16% |
| Problem loans | 0.37% | 0.25% (stronger) |
| Net charge-offs | 0.97% | 0.27% (stronger) |
| Return on assets | 1.24% (stronger) | 0.75% |
| Loans ÷ deposits | 80.9% | 73.6% (stronger) |
| Uninsured deposits | 9.9% (stronger) | 10.7% |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Certified Federal Credit Union has the higher TellerScore (88 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Certified Federal Credit Union leads on 4 and 1st United Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.