Side-by-side · Q2 2026 data
Path Federal Credit Union vs Division 819 Transit Employees Credit Union
Credit union
Path Federal Credit Union
Jersey City, New Jersey · Under $100 million in assets
Credit union
Division 819 Transit Employees Credit Union
Irvington, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Path Federal Credit Union | Division 819 Transit Employees Credit Union |
|---|---|---|
| TellerScore | 53 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 66 (stronger) |
| Earnings | 28 | 83 (stronger) |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 78 | 96 (stronger) |
| Peer percentile | 12th | 85th |
| Total assets | $14.2M | $16.7M |
| Deposits / shares | $10.0M | $13.7M |
| Capital ratio | 27.20% (stronger) | 17.89% |
| Problem loans | 4.26% | 1.02% (stronger) |
| Net charge-offs | 1.63% (stronger) | 1.73% |
| Return on assets | 0.19% | 1.56% (stronger) |
| Loans ÷ deposits | 98.4% | 42.6% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Division 819 Transit Employees Credit Union has the higher TellerScore (88 vs 53). On the 6 directional measures above (where higher or lower is clearly better), Path Federal Credit Union leads on 2 and Division 819 Transit Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.