Side-by-side · Q2 2026 data
Chino Commercial Bank, N.A. vs Certified Federal Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Metric by metric
| Measure | Chino Commercial Bank, N.A. | Certified Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 88 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 84 | 88 (stronger) |
| Earnings | 81 (stronger) | 70 |
| Funding & liquidity | 65 | 79 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 75th | 92nd |
| Total assets | $516.7M | $925.3M |
| Deposits / shares | $397.2M | $723.9M |
| Capital ratio | 12.51% | 20.71% (stronger) |
| Problem loans | 0.49% | 0.37% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.97% |
| Return on assets | 1.54% (stronger) | 1.24% |
| Loans ÷ deposits | 58.9% (stronger) | 80.9% |
| Uninsured deposits | 46.3% | 9.9% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Certified Federal Credit Union has the higher TellerScore (88 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Chino Commercial Bank, N.A. leads on 3 and Certified Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.