Side-by-side · Q2 2026 data
Amboy Bank vs United Teletech Financial Federal Credit Union
Credit union
United Teletech Financial Federal Credit Union
Tinton Falls, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | Amboy Bank | United Teletech Financial Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 54 |
| Capital cushion | 72 (stronger) | 40 |
| Loan quality | 90 (stronger) | 72 |
| Earnings | 100 (stronger) | 30 |
| Funding & liquidity | 45 | 69 (stronger) |
| Problem-loan coverage | 96 (stronger) | 80 |
| Peer percentile | 90th | 10th |
| Total assets | $3.1B | $327.7M |
| Deposits / shares | $2.7B | $284.1M |
| Capital ratio | 12.19% (stronger) | 9.00% |
| Problem loans | 0.30% (stronger) | 0.84% |
| Net charge-offs | -0.12% (stronger) | 0.11% |
| Return on assets | 2.60% (stronger) | 0.24% |
| Loans ÷ deposits | 72.8% (stronger) | 91.4% |
| Uninsured deposits | 53.2% | 10.2% (stronger) |
| Offices | 23 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.6% | — |
Amboy Bank has the higher TellerScore (80 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Amboy Bank leads on 6 and United Teletech Financial Federal Credit Union on 1. 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.