Side-by-side · Q2 2026 data
F & a Federal Credit Union vs Certified Federal Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Metric by metric
| Measure | F & a Federal Credit Union | Certified Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 88 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 88 | 88 |
| Earnings | 61 | 70 (stronger) |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 91st | 92nd |
| Total assets | $3.2B | $925.3M |
| Deposits / shares | $2.1B | $723.9M |
| Capital ratio | 12.59% | 20.71% (stronger) |
| Problem loans | 0.36% (stronger) | 0.37% |
| Net charge-offs | 0.06% (stronger) | 0.97% |
| Return on assets | 1.02% | 1.24% (stronger) |
| Loans ÷ deposits | 59.6% (stronger) | 80.9% |
| Uninsured deposits | 12.7% | 9.9% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.5% | — |
Certified Federal Credit Union has the higher TellerScore (88 vs 82). On the 7 directional measures above (where higher or lower is clearly better), F & a Federal Credit Union leads on 3 and Certified Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.