Side-by-side · Q2 2026 data
Hamilton Horizons Federal Credit Union vs L'Oreal USA Federal Credit Union
Credit union
Hamilton Horizons Federal Credit Union
Hamilton, 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 | Hamilton Horizons Federal Credit Union | L'Oreal USA Federal Credit Union |
|---|---|---|
| TellerScore | 28 | 73 (stronger) |
| Capital cushion | 20 | 100 (stronger) |
| Loan quality | 0 | 70 (stronger) |
| Earnings | 34 (stronger) | 1 |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 18 | 98 (stronger) |
| Peer percentile | 1st | 47th |
| Total assets | $19.8M | $20.0M |
| Deposits / shares | $18.4M | $14.7M |
| Capital ratio | 6.96% | 26.55% (stronger) |
| Problem loans | 4.44% | 0.90% (stronger) |
| Net charge-offs | 0.33% | -0.18% (stronger) |
| Return on assets | 0.36% (stronger) | -0.47% |
| Loans ÷ deposits | 67.9% | 44.6% (stronger) |
| Uninsured deposits | 0.2% (stronger) | 5.7% |
| Offices | 2 | 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 28). On the 7 directional measures above (where higher or lower is clearly better), Hamilton Horizons Federal Credit Union leads on 2 and L'Oreal USA Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.