Side-by-side · Q2 2026 data
Amboy Bank vs N. J. Latvian Federal Credit Union
Credit union
N. J. Latvian Federal Credit Union
Freehold, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Amboy Bank | N. J. Latvian Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 66 |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 90 (stronger) | 41 |
| Earnings | 100 (stronger) | 6 |
| Funding & liquidity | 45 | 100 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 90th | 32nd |
| Total assets | $3.1B | $4.7M |
| Deposits / shares | $2.7B | $4.1M |
| Capital ratio | 12.19% | 16.36% (stronger) |
| Problem loans | 0.30% (stronger) | 1.76% |
| Net charge-offs | -0.12% (stronger) | 0.00% |
| Return on assets | 2.60% (stronger) | -0.34% |
| Loans ÷ deposits | 72.8% | 8.3% (stronger) |
| Uninsured deposits | 53.2% | 0.0% (stronger) |
| Offices | 23 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.6% | — |
Amboy Bank has the higher TellerScore (80 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Amboy Bank leads on 4 and N. J. Latvian Federal Credit Union on 3. 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.