Side-by-side · Q2 2026 data
First Harvest Federal Credit Union vs United Teletech Financial Federal Credit Union
Credit union
First Harvest Federal Credit Union
Deptford, New Jersey · $100 million – $1 billion
Credit union
United Teletech Financial Federal Credit Union
Tinton Falls, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | First Harvest Federal Credit Union | United Teletech Financial Federal Credit Union |
|---|---|---|
| TellerScore | 53 | 54 (stronger) |
| Capital cushion | 30 | 40 (stronger) |
| Loan quality | 68 | 72 (stronger) |
| Earnings | 34 (stronger) | 30 |
| Funding & liquidity | 78 (stronger) | 69 |
| Problem-loan coverage | 82 (stronger) | 80 |
| Peer percentile | 9th | 10th |
| Total assets | $484.5M | $327.7M |
| Deposits / shares | $427.1M | $284.1M |
| Capital ratio | 8.01% | 9.00% (stronger) |
| Problem loans | 0.96% | 0.84% (stronger) |
| Net charge-offs | 0.35% | 0.11% (stronger) |
| Return on assets | 0.35% (stronger) | 0.24% |
| Loans ÷ deposits | 82.5% (stronger) | 91.4% |
| Uninsured deposits | 4.4% (stronger) | 10.2% |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 36.8% | — |
United Teletech Financial Federal Credit Union has the higher TellerScore (54 vs 53). On the 7 directional measures above (where higher or lower is clearly better), First Harvest Federal Credit Union leads on 3 and United Teletech Financial Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.