Side-by-side · Q2 2026 data
Certified Federal Credit Union vs E-Central Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Metric by metric
| Measure | Certified Federal Credit Union | E-Central Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 78 |
| Capital cushion | 100 | 100 |
| Loan quality | 88 (stronger) | 74 |
| Earnings | 70 (stronger) | 49 |
| Funding & liquidity | 79 (stronger) | 76 |
| Problem-loan coverage | 97 (stronger) | 83 |
| Peer percentile | 92nd | 74th |
| Total assets | $925.3M | $173.5M |
| Deposits / shares | $723.9M | $130.7M |
| Capital ratio | 20.71% | 23.41% (stronger) |
| Problem loans | 0.37% (stronger) | 0.77% |
| Net charge-offs | 0.97% | 0.21% (stronger) |
| Return on assets | 1.24% (stronger) | 0.72% |
| Loans ÷ deposits | 80.9% (stronger) | 84.6% |
| Uninsured deposits | 9.9% | 6.9% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Certified Federal Credit Union has the higher TellerScore (88 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Certified Federal Credit Union leads on 4 and E-Central Credit Union on 3. 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.