Side-by-side · Q2 2026 data
Jersey Central Federal Credit Union vs First Point Federal Credit Union
Credit union
Jersey Central Federal Credit Union
Cranford, New Jersey · Under $100 million in assets
Credit union
First Point Federal Credit Union
Hamilton, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Jersey Central Federal Credit Union | First Point Federal Credit Union |
|---|---|---|
| TellerScore | 54 (stronger) | 52 |
| Capital cushion | 100 (stronger) | 24 |
| Loan quality | 0 | 75 (stronger) |
| Earnings | 8 (stronger) | 6 |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 79 | 95 (stronger) |
| Peer percentile | 13th | 11th |
| Total assets | $24.9M | $25.0M |
| Deposits / shares | $20.6M | $23.9M |
| Capital ratio | 16.77% (stronger) | 7.36% |
| Problem loans | 3.30% | 0.74% (stronger) |
| Net charge-offs | 0.47% (stronger) | 1.02% |
| Return on assets | -0.30% (stronger) | -0.36% |
| Loans ÷ deposits | 65.9% | 26.1% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 4.2% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Jersey Central Federal Credit Union has the higher TellerScore (54 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Jersey Central Federal Credit Union leads on 5 and First Point Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.