Side-by-side · Q2 2026 data
First Commercial Bank (USA) vs California Adventist Federal Credit Union
Credit union
California Adventist Federal Credit Union
Glendale, California · Under $100 million in assets
Metric by metric
| Measure | First Commercial Bank (USA) | California Adventist Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 65 | 99 (stronger) |
| Earnings | 64 (stronger) | 57 |
| Funding & liquidity | 20 | 84 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 47th | 87th |
| Total assets | $849.9M | $44.7M |
| Deposits / shares | $646.8M | $35.5M |
| Capital ratio | 23.27% (stronger) | 20.11% |
| Problem loans | 1.05% | 0.04% (stronger) |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 1.10% (stronger) | 0.92% |
| Loans ÷ deposits | 111.5% | 76.0% (stronger) |
| Uninsured deposits | 42.6% | 0.8% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.0% | — |
California Adventist Federal Credit Union has the higher TellerScore (89 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Commercial Bank (USA) leads on 2 and California Adventist Federal Credit Union on 5. 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.