Side-by-side · Q2 2026 data
Essex County Teachers Federal Credit Union vs L'Oreal USA Federal Credit Union
Credit union
Essex County Teachers Federal Credit Union
Bloomfield, 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 | Essex County Teachers Federal Credit Union | L'Oreal USA Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 73 (stronger) |
| Capital cushion | 30 | 100 (stronger) |
| Loan quality | 94 (stronger) | 70 |
| Earnings | 30 (stronger) | 1 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 26th | 47th |
| Total assets | $21.8M | $20.0M |
| Deposits / shares | $19.6M | $14.7M |
| Capital ratio | 7.97% | 26.55% (stronger) |
| Problem loans | 0.19% (stronger) | 0.90% |
| Net charge-offs | 0.62% | -0.18% (stronger) |
| Return on assets | 0.25% (stronger) | -0.47% |
| Loans ÷ deposits | 31.2% (stronger) | 44.6% |
| Uninsured deposits | 1.5% (stronger) | 5.7% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
L'Oreal USA Federal Credit Union has the higher TellerScore (73 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Essex County Teachers 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.