Side-by-side · Q2 2026 data
Certified Federal Credit Union vs Sun Community Federal Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Credit union
Sun Community Federal Credit Union
El Centro, California · $100 million – $1 billion
Metric by metric
| Measure | Certified Federal Credit Union | Sun Community Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 56 |
| Capital cushion | 100 (stronger) | 34 |
| Loan quality | 88 | 92 (stronger) |
| Earnings | 70 (stronger) | 10 |
| Funding & liquidity | 79 (stronger) | 73 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 92nd | 13th |
| Total assets | $925.3M | $895.6M |
| Deposits / shares | $723.9M | $803.4M |
| Capital ratio | 20.71% (stronger) | 8.40% |
| Problem loans | 0.37% | 0.25% (stronger) |
| Net charge-offs | 0.97% (stronger) | 1.73% |
| Return on assets | 1.24% (stronger) | -0.25% |
| Loans ÷ deposits | 80.9% (stronger) | 84.3% |
| Uninsured deposits | 9.9% (stronger) | 17.8% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.3% |
Certified Federal Credit Union has the higher TellerScore (88 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Certified Federal Credit Union leads on 6 and Sun Community Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.