Side-by-side · Q2 2026 data
Local 1233 Federal Credit Union vs Vah Lyons Employees Federal Credit Union
Credit union
Local 1233 Federal Credit Union
Newark, New Jersey · Under $100 million in assets
Credit union
Vah Lyons Employees Federal Credit Union
Lyons, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Local 1233 Federal Credit Union | Vah Lyons Employees Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 72 |
| Capital cushion | 100 | 100 |
| Loan quality | 91 (stronger) | 58 |
| Earnings | 53 (stronger) | 14 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 85th | 44th |
| Total assets | $14.1M | $26.6M |
| Deposits / shares | $11.5M | $22.4M |
| Capital ratio | 17.87% (stronger) | 17.57% |
| Problem loans | 0.27% (stronger) | 1.25% |
| Net charge-offs | 0.31% | 0.28% (stronger) |
| Return on assets | 0.82% (stronger) | -0.15% |
| Loans ÷ deposits | 49.1% | 21.7% (stronger) |
| Uninsured deposits | 2.7% (stronger) | 14.6% |
| 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 72). On the 7 directional measures above (where higher or lower is clearly better), Local 1233 Federal Credit Union leads on 5 and Vah Lyons Employees Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.