Side-by-side · Q2 2026 data
1st Bank of Sea Isle City vs Jersey Shore Federal Credit Union
Credit union
Jersey Shore Federal Credit Union
Northfield, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | 1st Bank of Sea Isle City | Jersey Shore Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 73 (stronger) |
| Capital cushion | 47 | 48 (stronger) |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 26 | 58 (stronger) |
| Funding & liquidity | 52 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 22nd | 60th |
| Total assets | $311.1M | $246.3M |
| Deposits / shares | $251.2M | $227.0M |
| Capital ratio | 9.72% | 9.76% (stronger) |
| Problem loans | 0.00% (stronger) | 0.29% |
| Net charge-offs | 0.00% (stronger) | 0.14% |
| Return on assets | 0.16% | 0.96% (stronger) |
| Loans ÷ deposits | 94.7% | 57.3% (stronger) |
| Uninsured deposits | 27.8% | 6.8% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
Jersey Shore Federal Credit Union has the higher TellerScore (73 vs 62). On the 7 directional measures above (where higher or lower is clearly better), 1st Bank of Sea Isle City leads on 2 and Jersey Shore Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.