Side-by-side · Q2 2026 data
Mercer County NJ Teachers Federal Credit Union vs H. E. Telephone Federal Credit Union
Credit union
Mercer County NJ Teachers Federal Credit Union
Hamilton Square, New Jersey · Under $100 million in assets
Credit union
H. E. Telephone Federal Credit Union
Rochelle Park, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Mercer County NJ Teachers Federal Credit Union | H. E. Telephone Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 73 |
| Capital cushion | 98 | 100 (stronger) |
| Loan quality | 13 | 52 (stronger) |
| Earnings | 99 (stronger) | 27 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 83 | 91 (stronger) |
| Peer percentile | 54th | 47th |
| Total assets | $52.2M | $46.4M |
| Deposits / shares | $44.8M | $39.2M |
| Capital ratio | 14.84% | 15.14% (stronger) |
| Problem loans | 2.62% | 1.45% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.52% |
| Return on assets | 1.97% (stronger) | 0.17% |
| Loans ÷ deposits | 53.0% (stronger) | 56.6% |
| Uninsured deposits | 1.9% (stronger) | 8.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mercer County NJ Teachers Federal Credit Union has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Mercer County NJ Teachers Federal Credit Union leads on 5 and H. E. Telephone Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.