Side-by-side · Q2 2026 data
B-M S Federal Credit Union vs Union Building Trades Federal Credit Union
Credit union
B-M S Federal Credit Union
New Brunswick, New Jersey · Under $100 million in assets
Credit union
Union Building Trades Federal Credit Union
Parsippany, New Jersey · Under $100 million in assets
Metric by metric
| Measure | B-M S Federal Credit Union | Union Building Trades Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 78 |
| Loan quality | 82 (stronger) | 72 |
| Earnings | 25 | 29 (stronger) |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 65th | 42nd |
| Total assets | $81.7M | $85.8M |
| Deposits / shares | $65.7M | $71.7M |
| Capital ratio | 21.09% (stronger) | 12.78% |
| Problem loans | 0.54% (stronger) | 0.84% |
| Net charge-offs | 0.27% | 0.04% (stronger) |
| Return on assets | 0.13% | 0.22% (stronger) |
| Loans ÷ deposits | 37.7% (stronger) | 60.9% |
| Uninsured deposits | 13.2% | 1.8% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
B-M S Federal Credit Union has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), B-M S Federal Credit Union leads on 4 and Union Building Trades Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.