Side-by-side · Q2 2026 data
Energy People Federal Credit Union vs Access Credit Union
Credit union
Energy People Federal Credit Union
Medford, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Energy People Federal Credit Union | Access Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 25 | 45 (stronger) |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 65th | 59th |
| Total assets | $18.1M | $70.3M |
| Deposits / shares | $14.7M | $62.1M |
| Capital ratio | 18.48% (stronger) | 11.75% |
| Problem loans | 0.00% (stronger) | 0.16% |
| Net charge-offs | 0.25% (stronger) | 0.37% |
| Return on assets | 0.14% | 0.61% (stronger) |
| Loans ÷ deposits | 93.8% | 51.0% (stronger) |
| Uninsured deposits | 3.3% (stronger) | 6.1% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Energy People Federal Credit Union has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Energy People Federal Credit Union leads on 5 and Access Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.