Side-by-side · Q2 2026 data
NorthEast Community Bank vs Local 804 Federal Credit Union
Credit union
Local 804 Federal Credit Union
Port Washington, New York · Under $100 million in assets
Metric by metric
| Measure | NorthEast Community Bank | Local 804 Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 70 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 100 | 100 |
| Funding & liquidity | 36 | 74 (stronger) |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 99th | 40th |
| Total assets | $2.1B | $22.5M |
| Deposits / shares | $1.5B | $15.6M |
| Capital ratio | 17.32% | 30.73% (stronger) |
| Problem loans | 0.00% (stronger) | 3.71% |
| Net charge-offs | 0.06% (stronger) | 1.31% |
| Return on assets | 2.00% | 2.30% (stronger) |
| Loans ÷ deposits | 123.9% | 86.6% (stronger) |
| Uninsured deposits | 28.0% | 0.0% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
NorthEast Community Bank has the higher TellerScore (90 vs 70). On the 7 directional measures above (where higher or lower is clearly better), NorthEast Community Bank leads on 3 and Local 804 Federal Credit Union on 4. 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.