Side-by-side · Q2 2026 data
Commerce West Bank vs Certified Federal Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Metric by metric
| Measure | Commerce West Bank | Certified Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 88 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 59 | 88 (stronger) |
| Earnings | 68 | 70 (stronger) |
| Funding & liquidity | 37 | 79 (stronger) |
| Problem-loan coverage | 86 | 97 (stronger) |
| Peer percentile | 24th | 92nd |
| Total assets | $1.2B | $925.3M |
| Deposits / shares | $1.1B | $723.9M |
| Capital ratio | 11.14% | 20.71% (stronger) |
| Problem loans | 1.23% | 0.37% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.97% |
| Return on assets | 1.20% | 1.24% (stronger) |
| Loans ÷ deposits | 72.9% (stronger) | 80.9% |
| Uninsured deposits | 79.1% | 9.9% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Certified Federal Credit Union has the higher TellerScore (88 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Commerce West Bank leads on 2 and Certified Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.