Side-by-side · Q2 2026 data
Golden State Bank vs California Adventist Federal Credit Union
Credit union
California Adventist Federal Credit Union
Glendale, California · Under $100 million in assets
Metric by metric
| Measure | Golden State Bank | California Adventist Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 89 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 73 | 99 (stronger) |
| Earnings | 70 (stronger) | 57 |
| Funding & liquidity | 25 | 84 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 30th | 87th |
| Total assets | $1.0B | $44.7M |
| Deposits / shares | $856.6M | $35.5M |
| Capital ratio | 11.04% | 20.11% (stronger) |
| Problem loans | 0.82% | 0.04% (stronger) |
| Net charge-offs | -0.00% | -0.02% (stronger) |
| Return on assets | 1.26% (stronger) | 0.92% |
| Loans ÷ deposits | 98.9% | 76.0% (stronger) |
| Uninsured deposits | 47.8% | 0.8% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
California Adventist Federal Credit Union has the higher TellerScore (89 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Golden State Bank leads on 1 and California Adventist Federal Credit Union on 6. 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.