Side-by-side · Q2 2026 data
Tulare County Federal Credit Union vs Torrance Community Federal Credit Union
Credit union
Tulare County Federal Credit Union
Tulare, California · $100 million – $1 billion
Credit union
Torrance Community Federal Credit Union
Torrance, California · $100 million – $1 billion
Metric by metric
| Measure | Tulare County Federal Credit Union | Torrance Community Federal Credit Union |
|---|---|---|
| TellerScore | 48 | 73 (stronger) |
| Capital cushion | 19 | 52 (stronger) |
| Loan quality | 75 | 96 (stronger) |
| Earnings | 24 | 43 (stronger) |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 82 | 99 (stronger) |
| Peer percentile | 4th | 60th |
| Total assets | $166.6M | $162.9M |
| Deposits / shares | $143.9M | $150.8M |
| Capital ratio | 6.91% | 10.15% (stronger) |
| Problem loans | 0.74% | 0.13% (stronger) |
| Net charge-offs | 0.24% | 0.06% (stronger) |
| Return on assets | 0.11% | 0.57% (stronger) |
| Loans ÷ deposits | 87.0% | 46.4% (stronger) |
| Uninsured deposits | 3.7% (stronger) | 8.5% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.4% | — |
Torrance Community Federal Credit Union has the higher TellerScore (73 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Tulare County Federal Credit Union leads on 1 and Torrance Community Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.