Side-by-side · Q2 2026 data
Central Jersey Police & Fire Federal Credit Union vs B-M S Federal Credit Union
Credit union
Central Jersey Police & Fire Federal Credit Union
Hamilton, New Jersey · Under $100 million in assets
Credit union
B-M S Federal Credit Union
New Brunswick, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Central Jersey Police & Fire Federal Credit Union | B-M S Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 80 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 84 (stronger) | 82 |
| Earnings | 93 (stronger) | 25 |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 90th | 65th |
| Total assets | $52.3M | $81.7M |
| Deposits / shares | $44.6M | $65.7M |
| Capital ratio | 14.40% | 21.09% (stronger) |
| Problem loans | 0.48% (stronger) | 0.54% |
| Net charge-offs | -0.19% (stronger) | 0.27% |
| Return on assets | 1.84% (stronger) | 0.13% |
| Loans ÷ deposits | 67.6% | 37.7% (stronger) |
| Uninsured deposits | 11.4% (stronger) | 13.2% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Jersey Police & Fire Federal Credit Union has the higher TellerScore (91 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Central Jersey Police & Fire Federal Credit Union leads on 5 and B-M S Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.