Side-by-side · Q2 2026 data
N.J.T. Employees Federal Credit Union vs H. E. Telephone Federal Credit Union
Credit union
N.J.T. Employees Federal Credit Union
Waldwick, 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 | N.J.T. Employees Federal Credit Union | H. E. Telephone Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 73 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 71 (stronger) | 52 |
| Earnings | 26 | 27 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 32nd | 47th |
| Total assets | $39.5M | $46.4M |
| Deposits / shares | $34.6M | $39.2M |
| Capital ratio | 11.23% | 15.14% (stronger) |
| Problem loans | 0.87% (stronger) | 1.45% |
| Net charge-offs | 0.74% | 0.52% (stronger) |
| Return on assets | 0.14% | 0.17% (stronger) |
| Loans ÷ deposits | 20.6% (stronger) | 56.6% |
| Uninsured deposits | 3.7% (stronger) | 8.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
H. E. Telephone Federal Credit Union has the higher TellerScore (73 vs 66). On the 7 directional measures above (where higher or lower is clearly better), N.J.T. Employees Federal Credit Union leads on 3 and H. E. Telephone Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.