Side-by-side · Q2 2026 data
B-M S Federal Credit Union vs United Teletech Financial Federal Credit Union
Credit union
B-M S Federal Credit Union
New Brunswick, New Jersey · Under $100 million in assets
Credit union
United Teletech Financial Federal Credit Union
Tinton Falls, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | B-M S Federal Credit Union | United Teletech Financial Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 82 (stronger) | 72 |
| Earnings | 25 | 30 (stronger) |
| Funding & liquidity | 100 (stronger) | 69 |
| Problem-loan coverage | 98 (stronger) | 80 |
| Peer percentile | 65th | 10th |
| Total assets | $81.7M | $327.7M |
| Deposits / shares | $65.7M | $284.1M |
| Capital ratio | 21.09% (stronger) | 9.00% |
| Problem loans | 0.54% (stronger) | 0.84% |
| Net charge-offs | 0.27% | 0.11% (stronger) |
| Return on assets | 0.13% | 0.24% (stronger) |
| Loans ÷ deposits | 37.7% (stronger) | 91.4% |
| Uninsured deposits | 13.2% | 10.2% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
B-M S Federal Credit Union has the higher TellerScore (80 vs 54). On the 7 directional measures above (where higher or lower is clearly better), B-M S Federal Credit Union leads on 4 and United Teletech Financial Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.