Side-by-side · Q2 2026 data
Essex County Teachers Federal Credit Union vs Hamilton Horizons Federal Credit Union
Credit union
Essex County Teachers Federal Credit Union
Bloomfield, New Jersey · Under $100 million in assets
Credit union
Hamilton Horizons Federal Credit Union
Hamilton, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Essex County Teachers Federal Credit Union | Hamilton Horizons Federal Credit Union |
|---|---|---|
| TellerScore | 63 (stronger) | 28 |
| Capital cushion | 30 (stronger) | 20 |
| Loan quality | 94 (stronger) | 0 |
| Earnings | 30 | 34 (stronger) |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 99 (stronger) | 18 |
| Peer percentile | 26th | 1st |
| Total assets | $21.8M | $19.8M |
| Deposits / shares | $19.6M | $18.4M |
| Capital ratio | 7.97% (stronger) | 6.96% |
| Problem loans | 0.19% (stronger) | 4.44% |
| Net charge-offs | 0.62% | 0.33% (stronger) |
| Return on assets | 0.25% | 0.36% (stronger) |
| Loans ÷ deposits | 31.2% (stronger) | 67.9% |
| Uninsured deposits | 1.5% | 0.2% (stronger) |
| Offices | 0 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Essex County Teachers Federal Credit Union has the higher TellerScore (63 vs 28). On the 7 directional measures above (where higher or lower is clearly better), Essex County Teachers Federal Credit Union leads on 4 and Hamilton Horizons Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.