Side-by-side · Q2 2026 data
Metropolitan Commercial Bank vs Ocean County Employees Federal Credit Union
Credit union
Ocean County Employees Federal Credit Union
Toms River, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Metropolitan Commercial Bank | Ocean County Employees Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 97 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 70 | 89 (stronger) |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 53 | 100 (stronger) |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 40th | 98th |
| Total assets | $8.9B | $1.4M |
| Deposits / shares | $7.8B | $1.2M |
| Capital ratio | 11.07% | 19.99% (stronger) |
| Problem loans | 0.91% | 0.33% (stronger) |
| Net charge-offs | 1.32% | 0.00% (stronger) |
| Return on assets | 1.23% | 2.22% (stronger) |
| Loans ÷ deposits | 93.5% | 28.4% (stronger) |
| Uninsured deposits | 27.2% | 0.0% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ocean County Employees Federal Credit Union has the higher TellerScore (97 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Metropolitan Commercial Bank leads on 0 and Ocean County Employees Federal Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.