Side-by-side · Q2 2026 data
Interfaith Federal Credit Union vs Certified Federal Credit Union
Credit union
Certified Federal Credit Union
El Monte, California · $100 million – $1 billion
Metric by metric
| Measure | Interfaith Federal Credit Union | Certified Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 88 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 89 (stronger) | 88 |
| Earnings | 47 | 70 (stronger) |
| Funding & liquidity | 99 (stronger) | 79 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 71st | 92nd |
| Total assets | $134.8M | $925.3M |
| Deposits / shares | $118.3M | $723.9M |
| Capital ratio | 11.87% | 20.71% (stronger) |
| Problem loans | 0.34% (stronger) | 0.37% |
| Net charge-offs | 0.40% (stronger) | 0.97% |
| Return on assets | 0.67% | 1.24% (stronger) |
| Loans ÷ deposits | 61.1% (stronger) | 80.9% |
| Uninsured deposits | 7.0% (stronger) | 9.9% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Certified Federal Credit Union has the higher TellerScore (88 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Interfaith Federal Credit Union 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.