Side-by-side · Q2 2026 data
Certified Federal Credit Union vs Central State Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Metric by metric
| Measure | Certified Federal Credit Union | Central State Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 88 (stronger) | 87 |
| Earnings | 70 (stronger) | 31 |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 92nd | 34th |
| Total assets | $925.3M | $258.2M |
| Deposits / shares | $723.9M | $211.3M |
| Capital ratio | 20.71% (stronger) | 9.01% |
| Problem loans | 0.37% (stronger) | 0.40% |
| Net charge-offs | 0.97% | 0.28% (stronger) |
| Return on assets | 1.24% (stronger) | 0.28% |
| Loans ÷ deposits | 80.9% | 40.8% (stronger) |
| Uninsured deposits | 9.9% | 6.2% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Certified Federal Credit Union has the higher TellerScore (88 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Certified Federal Credit Union leads on 4 and Central State Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.