Side-by-side · Q2 2026 data
Kinecta Federal Credit Union vs California Adventist Federal Credit Union
Credit union
Kinecta Federal Credit Union
Manhattan Beach, California · $1 billion – $10 billion
Credit union
California Adventist Federal Credit Union
Glendale, California · Under $100 million in assets
Metric by metric
| Measure | Kinecta Federal Credit Union | California Adventist Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 89 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 85 | 99 (stronger) |
| Earnings | 33 | 57 (stronger) |
| Funding & liquidity | 66 | 84 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 19th | 87th |
| Total assets | $6.8B | $44.7M |
| Deposits / shares | $5.7B | $35.5M |
| Capital ratio | 8.68% | 20.11% (stronger) |
| Problem loans | 0.46% | 0.04% (stronger) |
| Net charge-offs | 0.50% | -0.02% (stronger) |
| Return on assets | 0.33% | 0.92% (stronger) |
| Loans ÷ deposits | 94.6% | 76.0% (stronger) |
| Uninsured deposits | 8.8% | 0.8% (stronger) |
| Offices | 15 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
California Adventist Federal Credit Union has the higher TellerScore (89 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Kinecta Federal Credit Union leads on 0 and California Adventist Federal Credit Union on 7. 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.