Side-by-side · Q2 2026 data
Mid-State Federal Credit Union vs Local 1233 Federal Credit Union
Credit union
Local 1233 Federal Credit Union
Newark, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Mid-State Federal Credit Union | Local 1233 Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 40 | 91 (stronger) |
| Earnings | 54 (stronger) | 53 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 52nd | 85th |
| Total assets | $23.4M | $14.1M |
| Deposits / shares | $19.3M | $11.5M |
| Capital ratio | 15.55% | 17.87% (stronger) |
| Problem loans | 1.81% | 0.27% (stronger) |
| Net charge-offs | -0.49% (stronger) | 0.31% |
| Return on assets | 0.86% (stronger) | 0.82% |
| Loans ÷ deposits | 30.3% (stronger) | 49.1% |
| Uninsured deposits | 1.3% (stronger) | 2.7% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Local 1233 Federal 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 4 and Local 1233 Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.