Side-by-side · Q2 2026 data
Energy People Federal Credit Union vs L'Oreal USA Federal Credit Union
Credit union
Energy People Federal Credit Union
Medford, New Jersey · Under $100 million in assets
Credit union
L'Oreal USA Federal Credit Union
Mountainside, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Energy People Federal Credit Union | L'Oreal USA Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 73 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 70 |
| Earnings | 25 (stronger) | 1 |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 65th | 47th |
| Total assets | $18.1M | $20.0M |
| Deposits / shares | $14.7M | $14.7M |
| Capital ratio | 18.48% | 26.55% (stronger) |
| Problem loans | 0.00% (stronger) | 0.90% |
| Net charge-offs | 0.25% | -0.18% (stronger) |
| Return on assets | 0.14% (stronger) | -0.47% |
| Loans ÷ deposits | 93.8% | 44.6% (stronger) |
| Uninsured deposits | 3.3% (stronger) | 5.7% |
| 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 73). On the 7 directional measures above (where higher or lower is clearly better), Energy People Federal Credit Union leads on 4 and L'Oreal USA Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.