Side-by-side · Q2 2026 data
Certified Federal Credit Union vs Orange County'S Federal Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Credit union
Orange County'S Federal Credit Union
Santa Ana, California · $1 billion – $10 billion
Metric by metric
| Measure | Certified Federal Credit Union | Orange County'S Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 57 |
| Loan quality | 88 (stronger) | 78 |
| Earnings | 70 | 73 (stronger) |
| Funding & liquidity | 79 (stronger) | 66 |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 92nd | 58th |
| Total assets | $925.3M | $3.1B |
| Deposits / shares | $723.9M | $2.6B |
| Capital ratio | 20.71% (stronger) | 10.66% |
| Problem loans | 0.37% (stronger) | 0.65% |
| Net charge-offs | 0.97% | 0.48% (stronger) |
| Return on assets | 1.24% | 1.31% (stronger) |
| Loans ÷ deposits | 80.9% (stronger) | 94.6% |
| Uninsured deposits | 9.9% | 8.4% (stronger) |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Certified Federal Credit Union has the higher TellerScore (88 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Certified Federal Credit Union leads on 4 and Orange County'S Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.