Side-by-side · Q2 2026 data
Kinecta Federal Credit Union vs Wescom Central Credit Union
Credit union
Kinecta Federal Credit Union
Manhattan Beach, California · $1 billion – $10 billion
Metric by metric
| Measure | Kinecta Federal Credit Union | Wescom Central Credit Union |
|---|---|---|
| TellerScore | 58 | 59 (stronger) |
| Capital cushion | 37 (stronger) | 29 |
| Loan quality | 85 | 86 (stronger) |
| Earnings | 33 | 39 (stronger) |
| Funding & liquidity | 66 | 80 (stronger) |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 19th | 22nd |
| Total assets | $6.8B | $6.6B |
| Deposits / shares | $5.7B | $4.3B |
| Capital ratio | 8.68% (stronger) | 7.90% |
| Problem loans | 0.46% | 0.43% (stronger) |
| Net charge-offs | 0.50% | 0.39% (stronger) |
| Return on assets | 0.33% | 0.47% (stronger) |
| Loans ÷ deposits | 94.6% | 80.7% (stronger) |
| Uninsured deposits | 8.8% | 6.2% (stronger) |
| Offices | 15 | 32 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 32.0% |
Wescom Central Credit Union has the higher TellerScore (59 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Kinecta Federal Credit Union leads on 1 and Wescom Central Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.