Side-by-side · Q2 2026 data
Local 1233 Federal Credit Union vs L'Oreal USA Federal Credit Union
Credit union
Local 1233 Federal Credit Union
Newark, New Jersey · Under $100 million in assets
Credit union
L'Oreal USA Federal Credit Union
Mountainside, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Local 1233 Federal Credit Union | L'Oreal USA Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 73 |
| Capital cushion | 100 | 100 |
| Loan quality | 91 (stronger) | 70 |
| Earnings | 53 (stronger) | 1 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 85th | 47th |
| Total assets | $14.1M | $20.0M |
| Deposits / shares | $11.5M | $14.7M |
| Capital ratio | 17.87% | 26.55% (stronger) |
| Problem loans | 0.27% (stronger) | 0.90% |
| Net charge-offs | 0.31% | -0.18% (stronger) |
| Return on assets | 0.82% (stronger) | -0.47% |
| Loans ÷ deposits | 49.1% | 44.6% (stronger) |
| Uninsured deposits | 2.7% (stronger) | 5.7% |
| 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 73). On the 7 directional measures above (where higher or lower is clearly better), Local 1233 Federal Credit Union leads on 4 and L'Oreal USA Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.