Side-by-side · Q2 2026 data
Kaiperm Federal Credit Union vs First California Federal Credit Union
Credit union
Kaiperm Federal Credit Union
Walnut Creek, California · $100 million – $1 billion
Credit union
First California Federal Credit Union
Fresno, California · $100 million – $1 billion
Metric by metric
| Measure | Kaiperm Federal Credit Union | First California Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 78 (stronger) |
| Capital cushion | 43 | 56 (stronger) |
| Loan quality | 98 (stronger) | 67 |
| Earnings | 30 | 100 (stronger) |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 37th | 74th |
| Total assets | $108.4M | $109.7M |
| Deposits / shares | $98.7M | $97.8M |
| Capital ratio | 9.31% | 10.58% (stronger) |
| Problem loans | 0.05% (stronger) | 0.98% |
| Net charge-offs | 0.22% (stronger) | 0.69% |
| Return on assets | 0.24% | 2.00% (stronger) |
| Loans ÷ deposits | 77.4% | 54.0% (stronger) |
| Uninsured deposits | 10.9% | 6.2% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 30.5% |
First California Federal Credit Union has the higher TellerScore (78 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Kaiperm Federal Credit Union leads on 2 and First California Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.