Side-by-side · Q2 2026 data
Penn Community Bank vs New Jersey Law and Public Safety Credit Union
Credit union
New Jersey Law and Public Safety Credit Union
Trenton, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Penn Community Bank | New Jersey Law and Public Safety Credit Union |
|---|---|---|
| TellerScore | 69 | 93 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 81 | 90 (stronger) |
| Earnings | 43 | 90 (stronger) |
| Funding & liquidity | 51 | 83 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 53rd | 94th |
| Total assets | $3.1B | $63.9M |
| Deposits / shares | $2.5B | $51.2M |
| Capital ratio | 12.68% | 19.65% (stronger) |
| Problem loans | 0.56% | 0.31% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.22% |
| Return on assets | 0.58% | 1.74% (stronger) |
| Loans ÷ deposits | 89.5% | 76.9% (stronger) |
| Uninsured deposits | 32.6% | 3.4% (stronger) |
| Offices | 22 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | 0.0% |
New Jersey Law and Public Safety Credit Union has the higher TellerScore (93 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Penn Community Bank leads on 1 and New Jersey Law and Public Safety Credit Union on 6. 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.