Side-by-side · Q2 2026 data
Ocnac #1 Federal Credit Union vs I.L.A. Local 1235 Federal Credit Union
Credit union
Ocnac #1 Federal Credit Union
Jersey City, New Jersey · Under $100 million in assets
Credit union
I.L.A. Local 1235 Federal Credit Union
Springfield, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Ocnac #1 Federal Credit Union | I.L.A. Local 1235 Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 73 (stronger) |
| Capital cushion | 74 (stronger) | 70 |
| Loan quality | 33 | 93 (stronger) |
| Earnings | 65 (stronger) | 35 |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 36th | 47th |
| Total assets | $7.1M | $7.5M |
| Deposits / shares | $6.1M | $6.5M |
| Capital ratio | 12.40% (stronger) | 11.99% |
| Problem loans | 2.02% | 0.21% (stronger) |
| Net charge-offs | 11.44% | -0.04% (stronger) |
| Return on assets | 1.13% (stronger) | 0.37% |
| Loans ÷ deposits | 24.7% (stronger) | 81.6% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
I.L.A. Local 1235 Federal Credit Union has the higher TellerScore (73 vs 68). On the 6 directional measures above (where higher or lower is clearly better), Ocnac #1 Federal Credit Union leads on 3 and I.L.A. Local 1235 Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.