Side-by-side · Q2 2026 data
Members 1st of NJ Federal Credit Union vs Raritan Bay Federal Credit Union
Credit union
Members 1st of NJ Federal Credit Union
Vineland, New Jersey · $100 million – $1 billion
Credit union
Raritan Bay Federal Credit Union
Sayreville, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | Members 1st of NJ Federal Credit Union | Raritan Bay Federal Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 64 |
| Capital cushion | 46 (stronger) | 38 |
| Loan quality | 78 (stronger) | 59 |
| Earnings | 46 | 67 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 (stronger) | 90 |
| Peer percentile | 41st | 31st |
| Total assets | $134.2M | $107.6M |
| Deposits / shares | $121.0M | $98.0M |
| Capital ratio | 9.57% (stronger) | 8.79% |
| Problem loans | 0.65% (stronger) | 1.24% |
| Net charge-offs | 0.56% | 0.12% (stronger) |
| Return on assets | 0.64% | 1.17% (stronger) |
| Loans ÷ deposits | 47.8% | 39.8% (stronger) |
| Uninsured deposits | 2.7% (stronger) | 3.3% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members 1st of NJ Federal Credit Union has the higher TellerScore (67 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Members 1st of NJ Federal Credit Union leads on 4 and Raritan Bay Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.