Side-by-side · Q2 2026 data
Torrance Community Federal Credit Union vs Mission City Federal Credit Union
Credit union
Torrance Community Federal Credit Union
Torrance, California · $100 million – $1 billion
Credit union
Mission City Federal Credit Union
Santa Clara, California · $100 million – $1 billion
Metric by metric
| Measure | Torrance Community Federal Credit Union | Mission City Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 62 |
| Capital cushion | 52 (stronger) | 33 |
| Loan quality | 96 (stronger) | 94 |
| Earnings | 43 (stronger) | 42 |
| Funding & liquidity | 100 (stronger) | 72 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 60th | 26th |
| Total assets | $162.9M | $171.7M |
| Deposits / shares | $150.8M | $139.1M |
| Capital ratio | 10.15% (stronger) | 8.29% |
| Problem loans | 0.13% (stronger) | 0.17% |
| Net charge-offs | 0.06% (stronger) | 0.38% |
| Return on assets | 0.57% (stronger) | 0.56% |
| Loans ÷ deposits | 46.4% (stronger) | 88.0% |
| Uninsured deposits | 8.5% (stronger) | 15.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Torrance Community Federal Credit Union has the higher TellerScore (73 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Torrance Community Federal Credit Union leads on 7 and Mission City Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.