Side-by-side · Q2 2026 data
Certified Federal Credit Union vs Keypoint Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Metric by metric
| Measure | Certified Federal Credit Union | Keypoint Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 41 |
| Loan quality | 88 | 88 |
| Earnings | 70 (stronger) | 32 |
| Funding & liquidity | 79 (stronger) | 62 |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 92nd | 22nd |
| Total assets | $925.3M | $1.7B |
| Deposits / shares | $723.9M | $1.3B |
| Capital ratio | 20.71% (stronger) | 9.06% |
| Problem loans | 0.37% | 0.36% (stronger) |
| Net charge-offs | 0.97% | 0.55% (stronger) |
| Return on assets | 1.24% (stronger) | 0.29% |
| Loans ÷ deposits | 80.9% (stronger) | 98.4% |
| Uninsured deposits | 9.9% (stronger) | 13.8% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.4% |
Certified Federal Credit Union has the higher TellerScore (88 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Certified Federal Credit Union leads on 5 and Keypoint Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.