Side-by-side · Q2 2026 data
Hoboken School Employees Federal Credit Union vs B-M S Federal Credit Union
Credit union
Hoboken School Employees Federal Credit Union
Hoboken, New Jersey · Under $100 million in assets
Credit union
B-M S Federal Credit Union
New Brunswick, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Hoboken School Employees Federal Credit Union | B-M S Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 80 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 55 | 82 (stronger) |
| Earnings | 31 (stronger) | 25 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 44th | 65th |
| Total assets | $75.6M | $81.7M |
| Deposits / shares | $59.7M | $65.7M |
| Capital ratio | 20.54% | 21.09% (stronger) |
| Problem loans | 1.36% | 0.54% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.27% |
| Return on assets | 0.28% (stronger) | 0.13% |
| Loans ÷ deposits | 42.3% | 37.7% (stronger) |
| Uninsured deposits | 33.5% | 13.2% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
B-M S Federal Credit Union has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Hoboken School Employees Federal Credit Union leads on 2 and B-M S Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.