Side-by-side · Q2 2026 data
Certified Federal Credit Union vs Smw 104 Federal Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Credit union
Smw 104 Federal Credit Union
Livermore, California · $100 million – $1 billion
Metric by metric
| Measure | Certified Federal Credit Union | Smw 104 Federal Credit Union |
|---|---|---|
| TellerScore | 88 | 89 (stronger) |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 88 | 89 (stronger) |
| Earnings | 70 | 95 (stronger) |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 92nd | 94th |
| Total assets | $925.3M | $117.9M |
| Deposits / shares | $723.9M | $102.4M |
| Capital ratio | 20.71% (stronger) | 12.65% |
| Problem loans | 0.37% | 0.32% (stronger) |
| Net charge-offs | 0.97% | 0.44% (stronger) |
| Return on assets | 1.24% | 1.88% (stronger) |
| Loans ÷ deposits | 80.9% | 53.2% (stronger) |
| Uninsured deposits | 9.9% | 1.7% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Smw 104 Federal Credit Union has the higher TellerScore (89 vs 88). On the 7 directional measures above (where higher or lower is clearly better), Certified Federal Credit Union leads on 1 and Smw 104 Federal Credit Union on 6. 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.