Side-by-side · Q2 2026 data
Amboy Bank vs Central Jersey Police & Fire Federal Credit Union
Credit union
Central Jersey Police & Fire Federal Credit Union
Hamilton, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Amboy Bank | Central Jersey Police & Fire Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 91 (stronger) |
| Capital cushion | 72 | 94 (stronger) |
| Loan quality | 90 (stronger) | 84 |
| Earnings | 100 (stronger) | 93 |
| Funding & liquidity | 45 | 93 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 90th | 90th |
| Total assets | $3.1B | $52.3M |
| Deposits / shares | $2.7B | $44.6M |
| Capital ratio | 12.19% | 14.40% (stronger) |
| Problem loans | 0.30% (stronger) | 0.48% |
| Net charge-offs | -0.12% | -0.19% (stronger) |
| Return on assets | 2.60% (stronger) | 1.84% |
| Loans ÷ deposits | 72.8% | 67.6% (stronger) |
| Uninsured deposits | 53.2% | 11.4% (stronger) |
| Offices | 23 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.6% | — |
Central Jersey Police & Fire Federal Credit Union has the higher TellerScore (91 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Amboy Bank leads on 2 and Central Jersey Police & Fire Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.