Side-by-side · Q2 2026 data
Elizabeth Police Department E Federal Credit Union vs Terminals Federal Credit Union
Credit union
Elizabeth Police Department E Federal Credit Union
Elizabeth, New Jersey · Under $100 million in assets
Credit union
Terminals Federal Credit Union
Carteret, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Elizabeth Police Department E Federal Credit Union | Terminals Federal Credit Union |
|---|---|---|
| TellerScore | 47 | 66 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 0 |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 58 (stronger) | 50 |
| Problem-loan coverage | 81 | 84 (stronger) |
| Peer percentile | 7th | 32nd |
| Total assets | $1.7M | $943K |
| Deposits / shares | $843K | $571K |
| Capital ratio | 50.31% (stronger) | 38.90% |
| Problem loans | 9.47% | 3.95% (stronger) |
| Net charge-offs | -0.36% (stronger) | -0.19% |
| Return on assets | -0.66% | 4.15% (stronger) |
| Loans ÷ deposits | 102.7% (stronger) | 150.0% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Terminals Federal Credit Union has the higher TellerScore (66 vs 47). On the 6 directional measures above (where higher or lower is clearly better), Elizabeth Police Department E Federal Credit Union leads on 3 and Terminals Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.