Side-by-side · Q2 2026 data
Local 1233 Federal Credit Union vs Heard A.M.E. Federal Credit Union
Credit union
Local 1233 Federal Credit Union
Newark, New Jersey · Under $100 million in assets
Credit union
Heard A.M.E. Federal Credit Union
Roselle, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Local 1233 Federal Credit Union | Heard A.M.E. Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 53 |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 91 (stronger) | 0 |
| Earnings | 53 | 92 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 68 |
| Peer percentile | 85th | 12th |
| Total assets | $14.1M | $165K |
| Deposits / shares | $11.5M | $149K |
| Capital ratio | 17.87% (stronger) | 9.38% |
| Problem loans | 0.27% (stronger) | 6.33% |
| Net charge-offs | 0.31% | 0.00% (stronger) |
| Return on assets | 0.82% | 1.79% (stronger) |
| Loans ÷ deposits | 49.1% | 28.9% (stronger) |
| Uninsured deposits | 2.7% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Local 1233 Federal Credit Union has the higher TellerScore (88 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Local 1233 Federal Credit Union leads on 3 and Heard A.M.E. Federal Credit Union on 4. 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.