Side-by-side · Q2 2026 data
L'Oreal USA Federal Credit Union vs Monmouth County Postal Employees Credit Union
Credit union
L'Oreal USA Federal Credit Union
Mountainside, New Jersey · Under $100 million in assets
Credit union
Monmouth County Postal Employees Credit Union
Red Bank, New Jersey · Under $100 million in assets
Metric by metric
| Measure | L'Oreal USA Federal Credit Union | Monmouth County Postal Employees Credit Union |
|---|---|---|
| TellerScore | 73 | 79 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 70 | 95 (stronger) |
| Earnings | 1 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 47th | 62nd |
| Total assets | $20.0M | $21.9M |
| Deposits / shares | $14.7M | $17.3M |
| Capital ratio | 26.55% (stronger) | 20.64% |
| Problem loans | 0.90% | 0.15% (stronger) |
| Net charge-offs | -0.18% (stronger) | -0.10% |
| Return on assets | -0.47% (stronger) | -0.59% |
| Loans ÷ deposits | 44.6% | 14.3% (stronger) |
| Uninsured deposits | 5.7% | 3.8% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Monmouth County Postal Employees Credit Union has the higher TellerScore (79 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 Monmouth County Postal Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.