Side-by-side · Q2 2026 data
Bayonne School Employees Federal Credit Union vs Hmc (Nj) Federal Credit Union
Credit union
Bayonne School Employees Federal Credit Union
Bayonne, New Jersey · Under $100 million in assets
Credit union
Hmc (Nj) Federal Credit Union
Flemington, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Bayonne School Employees Federal Credit Union | Hmc (Nj) Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 75 (stronger) |
| Capital cushion | 59 | 63 (stronger) |
| Loan quality | 65 | 100 (stronger) |
| Earnings | 65 (stronger) | 29 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 44th | 52nd |
| Total assets | $9.4M | $8.9M |
| Deposits / shares | $8.7M | $7.8M |
| Capital ratio | 10.86% | 11.31% (stronger) |
| Problem loans | 1.05% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.04% (stronger) |
| Return on assets | 1.12% (stronger) | 0.23% |
| Loans ÷ deposits | 4.8% (stronger) | 21.9% |
| Uninsured deposits | 0.0% (stronger) | 2.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hmc (Nj) Federal Credit Union has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Bayonne School Employees Federal Credit Union leads on 3 and Hmc (Nj) Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.