Side-by-side · Q2 2026 data
Mid-State Federal Credit Union vs Division 819 Transit Employees Credit Union
Credit union
Division 819 Transit Employees Credit Union
Irvington, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Mid-State Federal Credit Union | Division 819 Transit Employees Credit Union |
|---|---|---|
| TellerScore | 75 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 40 | 66 (stronger) |
| Earnings | 54 | 83 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 52nd | 85th |
| Total assets | $23.4M | $16.7M |
| Deposits / shares | $19.3M | $13.7M |
| Capital ratio | 15.55% | 17.89% (stronger) |
| Problem loans | 1.81% | 1.02% (stronger) |
| Net charge-offs | -0.49% (stronger) | 1.73% |
| Return on assets | 0.86% | 1.56% (stronger) |
| Loans ÷ deposits | 30.3% (stronger) | 42.6% |
| Uninsured deposits | 1.3% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Division 819 Transit Employees Credit Union has the higher TellerScore (88 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Mid-State Federal Credit Union leads on 2 and Division 819 Transit Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.