Side-by-side · Q2 2026 data
First American Trust, FSB vs Certified Federal Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Metric by metric
| Measure | First American Trust, FSB | Certified Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 88 (stronger) |
| Capital cushion | 29 | 100 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 78 (stronger) | 70 |
| Funding & liquidity | 50 | 79 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 44th | 92nd |
| Total assets | $9.2B | $925.3M |
| Deposits / shares | $8.7B | $723.9M |
| Capital ratio | 7.89% | 20.71% (stronger) |
| Problem loans | 0.00% (stronger) | 0.37% |
| Net charge-offs | 0.00% (stronger) | 0.97% |
| Return on assets | 1.45% (stronger) | 1.24% |
| Loans ÷ deposits | 0.0% (stronger) | 80.9% |
| Uninsured deposits | 63.8% | 9.9% (stronger) |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | 49 | — |
| Complaints per $1B deposits | 5.6 | — |
| Mortgage denial rate (HMDA) | — | — |
Certified Federal Credit Union has the higher TellerScore (88 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First American Trust, FSB leads on 4 and Certified Federal Credit Union on 3. 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.