Side-by-side · Q2 2026 data
Ocnac #1 Federal Credit Union vs Public Service H C Employees Federal Credit Union
Credit union
Ocnac #1 Federal Credit Union
Jersey City, New Jersey · Under $100 million in assets
Credit union
Public Service H C Employees Federal Credit Union
Brick, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Ocnac #1 Federal Credit Union | Public Service H C Employees Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 74 (stronger) |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 33 | 37 (stronger) |
| Earnings | 65 (stronger) | 47 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 36th | 49th |
| Total assets | $7.1M | $7.1M |
| Deposits / shares | $6.1M | $4.3M |
| Capital ratio | 12.40% | 39.47% (stronger) |
| Problem loans | 2.02% | 1.89% (stronger) |
| Net charge-offs | 11.44% | -1.06% (stronger) |
| Return on assets | 1.13% (stronger) | 0.68% |
| Loans ÷ deposits | 24.7% | 16.6% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Public Service H C Employees Federal Credit Union has the higher TellerScore (74 vs 68). On the 6 directional measures above (where higher or lower is clearly better), Ocnac #1 Federal Credit Union leads on 1 and Public Service H C Employees Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.