Side-by-side · Q2 2026 data
Certified Federal Credit Union vs California Coast Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Credit union
California Coast Credit Union
San Diego, California · $1 billion – $10 billion
Metric by metric
| Measure | Certified Federal Credit Union | California Coast Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 85 |
| Capital cushion | 100 (stronger) | 89 |
| Loan quality | 88 | 91 (stronger) |
| Earnings | 70 (stronger) | 67 |
| Funding & liquidity | 79 | 82 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 92nd | 94th |
| Total assets | $925.3M | $3.5B |
| Deposits / shares | $723.9M | $3.1B |
| Capital ratio | 20.71% (stronger) | 13.91% |
| Problem loans | 0.37% | 0.26% (stronger) |
| Net charge-offs | 0.97% | 0.18% (stronger) |
| Return on assets | 1.24% (stronger) | 1.16% |
| Loans ÷ deposits | 80.9% | 78.2% (stronger) |
| Uninsured deposits | 9.9% | 2.3% (stronger) |
| Offices | 4 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.5% |
Certified Federal Credit Union has the higher TellerScore (88 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Certified Federal Credit Union leads on 3 and California Coast Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.