Side-by-side · Q2 2026 data
Central Jersey Police & Fire Federal Credit Union vs Hmc (Nj) Federal Credit Union
Credit union
Central Jersey Police & Fire Federal Credit Union
Hamilton, 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 | Central Jersey Police & Fire Federal Credit Union | Hmc (Nj) Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 75 |
| Capital cushion | 94 (stronger) | 63 |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 93 (stronger) | 29 |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 90th | 52nd |
| Total assets | $52.3M | $8.9M |
| Deposits / shares | $44.6M | $7.8M |
| Capital ratio | 14.40% (stronger) | 11.31% |
| Problem loans | 0.48% | 0.00% (stronger) |
| Net charge-offs | -0.19% (stronger) | -0.04% |
| Return on assets | 1.84% (stronger) | 0.23% |
| Loans ÷ deposits | 67.6% | 21.9% (stronger) |
| Uninsured deposits | 11.4% | 2.1% (stronger) |
| Offices | 2 | 1 |
| 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 75). On the 7 directional measures above (where higher or lower is clearly better), Central Jersey Police & Fire Federal Credit Union leads on 4 and Hmc (Nj) Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.