Side-by-side · Q2 2026 data
Mission City Federal Credit Union vs Commonwealth Central Credit Union
Credit union
Mission City Federal Credit Union
Santa Clara, California · $100 million – $1 billion
Metric by metric
| Measure | Mission City Federal Credit Union | Commonwealth Central Credit Union |
|---|---|---|
| TellerScore | 62 | 80 (stronger) |
| Capital cushion | 33 | 92 (stronger) |
| Loan quality | 94 (stronger) | 86 |
| Earnings | 42 | 48 (stronger) |
| Funding & liquidity | 72 | 79 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 26th | 78th |
| Total assets | $171.7M | $624.9M |
| Deposits / shares | $139.1M | $530.3M |
| Capital ratio | 8.29% | 14.23% (stronger) |
| Problem loans | 0.17% (stronger) | 0.41% |
| Net charge-offs | 0.38% (stronger) | 0.61% |
| Return on assets | 0.56% | 0.70% (stronger) |
| Loans ÷ deposits | 88.0% | 81.5% (stronger) |
| Uninsured deposits | 15.2% | 7.2% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 33.6% |
Commonwealth Central Credit Union has the higher TellerScore (80 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Mission City Federal Credit Union leads on 2 and Commonwealth Central Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.