Side-by-side · Q2 2026 data
First Bank vs Central Jersey Police & Fire Federal Credit Union
Credit union
Central Jersey Police & Fire Federal Credit Union
Hamilton, New Jersey · Under $100 million in assets
Metric by metric
| Measure | First Bank | Central Jersey Police & Fire Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 91 (stronger) |
| Capital cushion | 52 | 94 (stronger) |
| Loan quality | 71 | 84 (stronger) |
| Earnings | 57 | 93 (stronger) |
| Funding & liquidity | 33 | 93 (stronger) |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 19th | 90th |
| Total assets | $4.1B | $52.3M |
| Deposits / shares | $3.3B | $44.6M |
| Capital ratio | 10.17% | 14.40% (stronger) |
| Problem loans | 0.86% | 0.48% (stronger) |
| Net charge-offs | 0.40% | -0.19% (stronger) |
| Return on assets | 0.92% | 1.84% (stronger) |
| Loans ÷ deposits | 100.1% | 67.6% (stronger) |
| Uninsured deposits | 39.3% | 11.4% (stronger) |
| Offices | 26 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.5% | — |
Central Jersey Police & Fire Federal Credit Union has the higher TellerScore (91 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 0 and Central Jersey Police & Fire Federal Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.