Side-by-side · Q2 2026 data
Community Financial Services Federal Credit Union vs Local 1233 Federal Credit Union
Credit union
Community Financial Services Federal Credit Union
Roselle, New Jersey · Under $100 million in assets
Credit union
Local 1233 Federal Credit Union
Newark, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Community Financial Services Federal Credit Union | Local 1233 Federal Credit Union |
|---|---|---|
| TellerScore | 46 | 88 (stronger) |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 4 | 91 (stronger) |
| Earnings | 0 | 53 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 49 | 99 (stronger) |
| Peer percentile | 6th | 85th |
| Total assets | $30.6M | $14.1M |
| Deposits / shares | $27.0M | $11.5M |
| Capital ratio | 13.44% | 17.87% (stronger) |
| Problem loans | 2.88% | 0.27% (stronger) |
| Net charge-offs | 0.31% (stronger) | 0.31% |
| Return on assets | -0.74% | 0.82% (stronger) |
| Loans ÷ deposits | 37.4% (stronger) | 49.1% |
| Uninsured deposits | 2.4% (stronger) | 2.7% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Local 1233 Federal Credit Union has the higher TellerScore (88 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Community Financial Services Federal Credit Union leads on 3 and Local 1233 Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.