Side-by-side · Q2 2026 data
Century Savings Bank vs Atlantic City Electric Co Emp Federal Credit Union
Credit union
Atlantic City Electric Co Emp Federal Credit Union
Mays Landing, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Century Savings Bank | Atlantic City Electric Co Emp Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 70 |
| Capital cushion | 82 | 96 (stronger) |
| Loan quality | 100 (stronger) | 34 |
| Earnings | 41 | 45 (stronger) |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 80th | 40th |
| Total assets | $634.8M | $62.5M |
| Deposits / shares | $489.7M | $55.7M |
| Capital ratio | 13.20% | 14.58% (stronger) |
| Problem loans | 0.00% (stronger) | 1.98% |
| Net charge-offs | -0.01% (stronger) | 0.54% |
| Return on assets | 0.53% | 0.62% (stronger) |
| Loans ÷ deposits | 67.7% | 40.3% (stronger) |
| Uninsured deposits | 22.3% | 2.5% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 36.1% | — |
Century Savings Bank has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Century Savings Bank leads on 3 and Atlantic City Electric Co Emp Federal Credit Union on 4. 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.