Side-by-side · Q2 2026 data
Hoboken School Employees Federal Credit Union vs United Poles Federal Credit Union
Credit union
Hoboken School Employees Federal Credit Union
Hoboken, New Jersey · Under $100 million in assets
Credit union
United Poles Federal Credit Union
Perth Amboy, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Hoboken School Employees Federal Credit Union | United Poles Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 28 |
| Capital cushion | 100 (stronger) | 20 |
| Loan quality | 55 (stronger) | 1 |
| Earnings | 31 | 41 (stronger) |
| Funding & liquidity | 80 (stronger) | 69 |
| Problem-loan coverage | 96 (stronger) | 28 |
| Peer percentile | 44th | 1st |
| Total assets | $75.6M | $72.3M |
| Deposits / shares | $59.7M | $66.6M |
| Capital ratio | 20.54% (stronger) | 6.95% |
| Problem loans | 1.36% (stronger) | 2.96% |
| Net charge-offs | 0.12% (stronger) | 0.17% |
| Return on assets | 0.28% | 0.53% (stronger) |
| Loans ÷ deposits | 42.3% (stronger) | 91.0% |
| Uninsured deposits | 33.5% | 7.7% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Hoboken School Employees Federal Credit Union has the higher TellerScore (72 vs 28). On the 7 directional measures above (where higher or lower is clearly better), Hoboken School Employees Federal Credit Union leads on 5 and United Poles Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.