Side-by-side · Q2 2026 data
Certified Federal Credit Union vs Wheelhouse Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Metric by metric
| Measure | Certified Federal Credit Union | Wheelhouse Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 37 |
| Loan quality | 88 | 96 (stronger) |
| Earnings | 70 | 72 (stronger) |
| Funding & liquidity | 79 (stronger) | 67 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 92nd | 48th |
| Total assets | $925.3M | $459.7M |
| Deposits / shares | $723.9M | $409.8M |
| Capital ratio | 20.71% (stronger) | 8.73% |
| Problem loans | 0.37% | 0.13% (stronger) |
| Net charge-offs | 0.97% | 0.16% (stronger) |
| Return on assets | 1.24% | 1.29% (stronger) |
| Loans ÷ deposits | 80.9% (stronger) | 93.1% |
| Uninsured deposits | 9.9% | 9.3% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
Certified Federal Credit Union has the higher TellerScore (88 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Certified Federal Credit Union leads on 3 and Wheelhouse Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.