Side-by-side · Q2 2026 data
Metropolitan Commercial Bank vs Public Service H C Employees Federal Credit Union
Credit union
Public Service H C Employees Federal Credit Union
Brick, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Metropolitan Commercial Bank | Public Service H C Employees Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 74 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 70 (stronger) | 37 |
| Earnings | 69 (stronger) | 47 |
| Funding & liquidity | 53 | 100 (stronger) |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 40th | 49th |
| Total assets | $8.9B | $7.1M |
| Deposits / shares | $7.8B | $4.3M |
| Capital ratio | 11.07% | 39.47% (stronger) |
| Problem loans | 0.91% (stronger) | 1.89% |
| Net charge-offs | 1.32% | -1.06% (stronger) |
| Return on assets | 1.23% (stronger) | 0.68% |
| Loans ÷ deposits | 93.5% | 16.6% (stronger) |
| Uninsured deposits | 27.2% | 0.0% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Public Service H C Employees Federal Credit Union has the higher TellerScore (74 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Metropolitan Commercial Bank leads on 2 and Public Service H C Employees Federal Credit Union on 5. 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.