Side-by-side · Q2 2026 data
Passaic Police Federal Credit Union vs I.L.A. Local 1235 Federal Credit Union
Credit union
Passaic Police Federal Credit Union
Passaic, 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 | Passaic Police Federal Credit Union | I.L.A. Local 1235 Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 70 |
| Loan quality | 16 | 93 (stronger) |
| Earnings | 100 (stronger) | 35 |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 59th | 47th |
| Total assets | $7.4M | $7.5M |
| Deposits / shares | $6.4M | $6.5M |
| Capital ratio | 15.38% (stronger) | 11.99% |
| Problem loans | 2.51% | 0.21% (stronger) |
| Net charge-offs | -0.15% (stronger) | -0.04% |
| Return on assets | 2.02% (stronger) | 0.37% |
| Loans ÷ deposits | 32.3% (stronger) | 81.6% |
| Uninsured deposits | 0.9% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Passaic Police Federal Credit Union has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Passaic Police Federal Credit Union leads on 5 and I.L.A. Local 1235 Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.