Side-by-side · Q2 2026 data
Hmc (Nj) Federal Credit Union vs New Jersey Law and Public Safety Credit Union
Credit union
Hmc (Nj) Federal Credit Union
Flemington, New Jersey · Under $100 million in assets
Credit union
New Jersey Law and Public Safety Credit Union
Trenton, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Hmc (Nj) Federal Credit Union | New Jersey Law and Public Safety Credit Union |
|---|---|---|
| TellerScore | 75 | 93 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 29 | 90 (stronger) |
| Funding & liquidity | 100 (stronger) | 83 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 52nd | 94th |
| Total assets | $8.9M | $63.9M |
| Deposits / shares | $7.8M | $51.2M |
| Capital ratio | 11.31% | 19.65% (stronger) |
| Problem loans | 0.00% (stronger) | 0.31% |
| Net charge-offs | -0.04% (stronger) | 0.22% |
| Return on assets | 0.23% | 1.74% (stronger) |
| Loans ÷ deposits | 21.9% (stronger) | 76.9% |
| Uninsured deposits | 2.1% (stronger) | 3.4% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
New Jersey Law and Public Safety Credit Union has the higher TellerScore (93 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Hmc (Nj) Federal Credit Union leads on 4 and New Jersey Law and Public Safety Credit Union on 3. 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.