Side-by-side · Q2 2026 data
Sun Community Federal Credit Union vs Community First Credit Union
Credit union
Sun Community Federal Credit Union
El Centro, California · $100 million – $1 billion
Metric by metric
| Measure | Sun Community Federal Credit Union | Community First Credit Union |
|---|---|---|
| TellerScore | 56 | 64 (stronger) |
| Capital cushion | 34 | 53 (stronger) |
| Loan quality | 92 (stronger) | 59 |
| Earnings | 10 | 66 (stronger) |
| Funding & liquidity | 73 | 78 (stronger) |
| Problem-loan coverage | 94 (stronger) | 80 |
| Peer percentile | 13th | 31st |
| Total assets | $895.6M | $921.0M |
| Deposits / shares | $803.4M | $813.4M |
| Capital ratio | 8.40% | 10.25% (stronger) |
| Problem loans | 0.25% (stronger) | 1.22% |
| Net charge-offs | 1.73% | 0.66% (stronger) |
| Return on assets | -0.25% | 1.15% (stronger) |
| Loans ÷ deposits | 84.3% | 82.2% (stronger) |
| Uninsured deposits | 17.8% | 8.9% (stronger) |
| Offices | 6 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | — |
Community First Credit Union has the higher TellerScore (64 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Sun Community Federal Credit Union leads on 1 and Community First Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.