Side-by-side · Q2 2026 data
North Jersey Federal Credit Union vs Edifi Federal Credit Union
Metric by metric
| Measure | North Jersey Federal Credit Union | Edifi Federal Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 65 |
| Capital cushion | 55 (stronger) | 43 |
| Loan quality | 70 | 76 (stronger) |
| Earnings | 43 (stronger) | 42 |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 90 | 92 (stronger) |
| Peer percentile | 37th | 34th |
| Total assets | $255.6M | $262.4M |
| Deposits / shares | $234.6M | $246.8M |
| Capital ratio | 10.53% (stronger) | 9.27% |
| Problem loans | 0.89% | 0.72% (stronger) |
| Net charge-offs | 0.39% (stronger) | 0.39% |
| Return on assets | 0.58% (stronger) | 0.55% |
| Loans ÷ deposits | 62.9% | 53.9% (stronger) |
| Uninsured deposits | 4.1% | 1.9% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.2% | — |
North Jersey Federal Credit Union has the higher TellerScore (66 vs 65). On the 7 directional measures above (where higher or lower is clearly better), North Jersey Federal Credit Union leads on 4 and Edifi Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.