This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
BREA, CA
Health score
72.5
Total assets
$1.3B
Credit union
Concord, CA
Health score
76.6
Total assets
$1.3B
Answer first
AMERICAN FIRST leads on profitability and lending quality; PACIFIC SERVICE leads on financial health and capitalization. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
PACIFIC SERVICE
Higher TFS health score
Capitalization
PACIFIC SERVICE
Higher comparable capital ratio
Profitability
AMERICAN FIRST
Higher return on assets
Lending quality
AMERICAN FIRST
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | AMERICAN FIRST | PACIFIC SERVICE |
|---|---|---|
| TFS health score | 72.5/100 | 76.6/100Leads |
| Total assets | $1.3B | $1.3B |
| Total deposits / shares | $1.2B | $1.1B |
| Net worth ratio | 10.33% | 15.09%Leads |
| Return on assets | 0.81%Leads | 0.56% |
| Return on equity | 7.89%Leads |
AMERICAN FIRST
5 branches
PACIFIC SERVICE
6 branches
Both institutions report branches in 1 state: CA.
AMERICAN FIRST
Unavailable
PACIFIC SERVICE
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
AMERICAN FIRST
0 in TFS registry
PACIFIC SERVICE
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Keep watching
Get access to your dashboard watchlist and future financial-grade alerts.
Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 3.72% |
| 60+ day delinquency | 0.12%Leads | 0.44% |
| Net charge-offs | 0.34%Leads | 0.58% |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 96.55% | 87.12% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 5 | 6 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |