Side-by-side · Q2 2026 data
L'Oreal USA Federal Credit Union vs Division 819 Transit Employees Credit Union
Credit union
L'Oreal USA Federal Credit Union
Mountainside, New Jersey · Under $100 million in assets
Credit union
Division 819 Transit Employees Credit Union
Irvington, New Jersey · Under $100 million in assets
Metric by metric
| Measure | L'Oreal USA Federal Credit Union | Division 819 Transit Employees Credit Union |
|---|---|---|
| TellerScore | 73 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 70 (stronger) | 66 |
| Earnings | 1 | 83 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 47th | 85th |
| Total assets | $20.0M | $16.7M |
| Deposits / shares | $14.7M | $13.7M |
| Capital ratio | 26.55% (stronger) | 17.89% |
| Problem loans | 0.90% (stronger) | 1.02% |
| Net charge-offs | -0.18% (stronger) | 1.73% |
| Return on assets | -0.47% | 1.56% (stronger) |
| Loans ÷ deposits | 44.6% | 42.6% (stronger) |
| Uninsured deposits | 5.7% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Division 819 Transit Employees Credit Union has the higher TellerScore (88 vs 73). On the 7 directional measures above (where higher or lower is clearly better), L'Oreal USA Federal Credit Union leads on 3 and Division 819 Transit Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.