Side-by-side · Q2 2026 data
Home Bank of California vs Chula Vista City Employees Federal Credit Union
Credit union
Chula Vista City Employees Federal Credit Union
Chula Vista, California · Under $100 million in assets
Metric by metric
| Measure | Home Bank of California | Chula Vista City Employees Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 71 |
| Capital cushion | 73 (stronger) | 33 |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 100 | 100 |
| Funding & liquidity | 48 | 83 (stronger) |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 86th | 42nd |
| Total assets | $255.4M | $3.1M |
| Deposits / shares | $192.2M | $2.6M |
| Capital ratio | 12.27% (stronger) | 8.27% |
| Problem loans | 0.00% (stronger) | 0.64% |
| Net charge-offs | -0.00% | -2.44% (stronger) |
| Return on assets | 2.34% | 4.44% (stronger) |
| Loans ÷ deposits | 121.2% | 77.2% (stronger) |
| Uninsured deposits | 16.6% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home Bank of California has the higher TellerScore (84 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Home Bank of California leads on 3 and Chula Vista City Employees Federal Credit Union on 4. 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.