Side-by-side · Q2 2026 data
Certified Federal Credit Union vs San Diego County Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Credit union
San Diego County Credit Union
San Diego, California · $1 billion – $10 billion
Metric by metric
| Measure | Certified Federal Credit Union | San Diego County Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 88 | 93 (stronger) |
| Earnings | 70 (stronger) | 42 |
| Funding & liquidity | 79 | 94 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 92nd | 95th |
| Total assets | $925.3M | $9.5B |
| Deposits / shares | $723.9M | $7.8B |
| Capital ratio | 20.71% (stronger) | 19.82% |
| Problem loans | 0.37% | 0.20% (stronger) |
| Net charge-offs | 0.97% | 0.09% (stronger) |
| Return on assets | 1.24% (stronger) | 0.54% |
| Loans ÷ deposits | 80.9% | 65.9% (stronger) |
| Uninsured deposits | 9.9% | 7.4% (stronger) |
| Offices | 4 | 25 |
| CFPB complaints (3 yrs) | — | 189 |
| Complaints per $1B deposits | — | 24.2 |
| Mortgage denial rate (HMDA) | — | 37.4% |
Certified Federal Credit Union has the higher TellerScore (88 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Certified Federal Credit Union leads on 3 and San Diego County Credit Union on 4. 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.