Side-by-side · Q2 2026 data
Commercial Bank of California vs Santa Ana Federal Credit Union
Credit union
Santa Ana Federal Credit Union
Santa Ana, California · $100 million – $1 billion
Metric by metric
| Measure | Commercial Bank of California | Santa Ana Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 90 (stronger) |
| Capital cushion | 43 | 85 (stronger) |
| Loan quality | 88 | 98 (stronger) |
| Earnings | 74 | 81 (stronger) |
| Funding & liquidity | 31 | 90 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 33rd | 95th |
| Total assets | $4.0B | $111.6M |
| Deposits / shares | $3.5B | $95.7M |
| Capital ratio | 9.27% | 13.47% (stronger) |
| Problem loans | 0.37% | 0.06% (stronger) |
| Net charge-offs | 0.06% | -0.01% (stronger) |
| Return on assets | 1.34% | 1.52% (stronger) |
| Loans ÷ deposits | 79.5% | 70.6% (stronger) |
| Uninsured deposits | 61.9% | 4.3% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Santa Ana Federal Credit Union has the higher TellerScore (90 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank of California leads on 0 and Santa Ana Federal Credit Union on 7. 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.