Side-by-side · Q2 2026 data
Members 1st of NJ Federal Credit Union vs Healthcare Employees Federal Credit Union
Credit union
Members 1st of NJ Federal Credit Union
Vineland, New Jersey · $100 million – $1 billion
Credit union
Healthcare Employees Federal Credit Union
Princeton, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | Members 1st of NJ Federal Credit Union | Healthcare Employees Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 86 (stronger) |
| Capital cushion | 46 | 86 (stronger) |
| Loan quality | 78 | 79 (stronger) |
| Earnings | 46 | 88 (stronger) |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 41st | 89th |
| Total assets | $134.2M | $137.2M |
| Deposits / shares | $121.0M | $119.0M |
| Capital ratio | 9.57% | 13.58% (stronger) |
| Problem loans | 0.65% | 0.62% (stronger) |
| Net charge-offs | 0.56% | 0.07% (stronger) |
| Return on assets | 0.64% | 1.71% (stronger) |
| Loans ÷ deposits | 47.8% (stronger) | 70.5% |
| Uninsured deposits | 2.7% | 2.4% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Healthcare Employees Federal Credit Union has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Members 1st of NJ Federal Credit Union leads on 1 and Healthcare Employees Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.