Side-by-side · Q2 2026 data
First Commercial Bank (USA) vs Certified Federal Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Metric by metric
| Measure | First Commercial Bank (USA) | Certified Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 65 | 88 (stronger) |
| Earnings | 64 | 70 (stronger) |
| Funding & liquidity | 20 | 79 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 47th | 92nd |
| Total assets | $849.9M | $925.3M |
| Deposits / shares | $646.8M | $723.9M |
| Capital ratio | 23.27% (stronger) | 20.71% |
| Problem loans | 1.05% | 0.37% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.97% |
| Return on assets | 1.10% | 1.24% (stronger) |
| Loans ÷ deposits | 111.5% | 80.9% (stronger) |
| Uninsured deposits | 42.6% | 9.9% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.0% | — |
Certified Federal Credit Union has the higher TellerScore (88 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Commercial Bank (USA) leads on 2 and Certified Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.