Side-by-side · Q2 2026 data
Bayonne City Employees Federal Credit Union vs Paterson Police Federal Credit Union
Credit union
Bayonne City Employees Federal Credit Union
Bayonne, New Jersey · Under $100 million in assets
Credit union
Paterson Police Federal Credit Union
Paterson, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Bayonne City Employees Federal Credit Union | Paterson Police Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 66 |
| Capital cushion | 100 | 100 |
| Loan quality | 90 (stronger) | 19 |
| Earnings | 19 | 37 (stronger) |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 62nd | 32nd |
| Total assets | $3.9M | $4.7M |
| Deposits / shares | $2.8M | $3.8M |
| Capital ratio | 28.55% (stronger) | 19.89% |
| Problem loans | 0.31% (stronger) | 2.44% |
| Net charge-offs | 0.39% | -0.74% (stronger) |
| Return on assets | -0.03% | 0.43% (stronger) |
| Loans ÷ deposits | 77.3% | 44.3% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.9% |
| Offices | 0 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bayonne City Employees Federal Credit Union has the higher TellerScore (79 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Bayonne City Employees Federal Credit Union leads on 4 and Paterson Police Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.