TellerScore

Certified Federal Credit Union (NCUA charter #9230) is based in El Monte, California. Its Q2 2026 call report shows $925.3M in total assets and $723.9M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Certified Federal Credit Union scores 88/100, which we describe as very strong. That is higher than 92% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 18th. Its strongest component is capital cushion (100/100; 20.71%), and its lowest is earnings (70/100; 1.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.71%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.37%
Earnings70/100
Return on assets (annualized): 1.24%
Funding & liquidity79/100
Loans ÷ shares: 80.9% · 9.9% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.26%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (88 → 88).

TellerScore
838688Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202483
Q4 202486
Q1 202587
Q2 202588
Q3 202587
Q4 202586
Q1 202687
Q2 202688
Net worth ratio
7.00%14.01%21.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202420.61%
Q3 202421.02%
Q4 202419.91%
Q1 202519.88%
Q2 202520.20%
Q3 202520.49%
Q4 202520.58%
Q1 202620.52%
Q2 202620.71%
Delinquent loans (60+ days)
0.37%0.54%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.51%
Q3 20240.71%
Q4 20240.63%
Q1 20250.38%
Q2 20250.41%
Q3 20250.51%
Q4 20250.57%
Q1 20260.42%
Q2 20260.37%
Return on assets
1.18%1.25%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.23%
Q3 20241.18%
Q4 20241.31%
Q1 20251.21%
Q2 20251.30%
Q3 20251.33%
Q4 20251.27%
Q1 20261.25%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$925.3M20.71%0.37%1.24%80.9%
Q1 202687$920.0M20.52%0.42%1.25%79.2%
Q4 202586$903.1M20.58%0.57%1.27%80.5%
Q3 202587$898.6M20.49%0.51%1.33%80.7%
Q2 202588$895.9M20.20%0.41%1.30%80.4%
Q1 202587$894.7M19.88%0.38%1.21%79.4%
Q4 202486$871.7M19.91%0.63%1.31%82.8%
Q3 202483$782.4M21.02%0.71%1.18%84.0%
Q2 202486$787.9M20.61%0.51%1.23%83.7%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio20.71%
97th
Problem loans0.37%
76th
Net charge-offs0.97%
11th
Return on assets1.24%
80th
Loans to deposits80.9%
38th
Uninsured deposits9.9%
17th
Loan-loss reserves0.00%
50th
Texas ratio1.3%
86th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Community First Credit UnionCredit union Santa Rosa, CA64 out of 100, Moderate$921.0M10.3%1.22%vs
First City Credit UnionCredit union Pasadena, CA78 out of 100, Strong$948.5M13.5%0.58%vs
Merced School Employees Federal Credit UnionCredit union Merced, CA81 out of 100, Strong$899.0M11.8%0.44%vs
Sun Community Federal Credit UnionCredit union El Centro, CA56 out of 100, Moderate$895.6M8.4%0.25%vs
Altaone Federal Credit UnionCredit union Ridgecrest, CA57 out of 100, Moderate$967.2M9.2%0.70%vs
Oceanair Federal Credit UnionCredit union Oxnard, CA49 out of 100, Below average$882.5M7.4%0.48%vs

Deposit insurance

Is my money safe at Certified Federal Credit Union?

Yes. Certified Federal Credit Union is a federally insured credit union (NCUA charter #9230). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 9.9% of shares and deposits ($71.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 20.71%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Certified Federal Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Certified Federal Credit Union
Type
Federal credit union
NCUA charter #
9230
RSSD ID
345886
Primary regulator
NCUA
Established
1954
Headquarters
4455 Arden Dr, El Monte, CA 91731
Employees
123

Quick answers

Certified Federal Credit Union: common questions

Is Certified Federal Credit Union NCUA insured?

Yes. Certified Federal Credit Union is a federally insured credit union (NCUA charter #9230). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Certified Federal Credit Union's TellerScore?

88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Certified Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near El Monte

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs
California Adventist Federal Credit UnionCredit union Glendale, CA89 out of 100, Very strong$44.7M20.1%0.04%vs
American Plus Bank, N.A.Bank Arcadia, CA88 out of 100, Very strong$935.0M16.5%0.04%vs