Side-by-side · Q2 2026 data
Local 1233 Federal Credit Union vs Union Building Trades Federal Credit Union
Credit union
Local 1233 Federal Credit Union
Newark, New Jersey · Under $100 million in assets
Credit union
Union Building Trades Federal Credit Union
Parsippany, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Local 1233 Federal Credit Union | Union Building Trades Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 78 |
| Loan quality | 91 (stronger) | 72 |
| Earnings | 53 (stronger) | 29 |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 85th | 42nd |
| Total assets | $14.1M | $85.8M |
| Deposits / shares | $11.5M | $71.7M |
| Capital ratio | 17.87% (stronger) | 12.78% |
| Problem loans | 0.27% (stronger) | 0.84% |
| Net charge-offs | 0.31% | 0.04% (stronger) |
| Return on assets | 0.82% (stronger) | 0.22% |
| Loans ÷ deposits | 49.1% (stronger) | 60.9% |
| Uninsured deposits | 2.7% | 1.8% (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 71). On the 7 directional measures above (where higher or lower is clearly better), Local 1233 Federal Credit Union leads on 5 and Union Building Trades Federal Credit Union on 2. 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.