Side-by-side · Q2 2026 data
Ventura County Credit Union vs American First Credit Union
Metric by metric
| Measure | Ventura County Credit Union | American First Credit Union |
|---|---|---|
| TellerScore | 47 | 68 (stronger) |
| Capital cushion | 51 | 51 |
| Loan quality | 0 | 95 (stronger) |
| Earnings | 68 (stronger) | 52 |
| Funding & liquidity | 82 (stronger) | 62 |
| Problem-loan coverage | 57 | 97 (stronger) |
| Peer percentile | 4th | 50th |
| Total assets | $1.5B | $1.4B |
| Deposits / shares | $1.3B | $1.2B |
| Capital ratio | 10.14% (stronger) | 10.09% |
| Problem loans | 3.17% | 0.16% (stronger) |
| Net charge-offs | 0.44% | 0.28% (stronger) |
| Return on assets | 1.21% (stronger) | 0.80% |
| Loans ÷ deposits | 78.2% (stronger) | 98.6% |
| Uninsured deposits | 9.5% | 2.5% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.6% | 28.1% |
American First Credit Union has the higher TellerScore (68 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Ventura County Credit Union leads on 3 and American First Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.