Side-by-side · Q2 2026 data
Picatinny Federal Credit Union vs Division 819 Transit Employees Credit Union
Credit union
Division 819 Transit Employees Credit Union
Irvington, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Picatinny Federal Credit Union | Division 819 Transit Employees Credit Union |
|---|---|---|
| TellerScore | 65 | 88 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 77 (stronger) | 66 |
| Earnings | 40 | 83 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 34th | 85th |
| Total assets | $459.1M | $16.7M |
| Deposits / shares | $401.8M | $13.7M |
| Capital ratio | 9.42% | 17.89% (stronger) |
| Problem loans | 0.70% (stronger) | 1.02% |
| Net charge-offs | 0.20% (stronger) | 1.73% |
| Return on assets | 0.50% | 1.56% (stronger) |
| Loans ÷ deposits | 60.0% | 42.6% (stronger) |
| Uninsured deposits | 10.3% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.8% | — |
Division 819 Transit Employees Credit Union has the higher TellerScore (88 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Picatinny Federal Credit Union leads on 2 and Division 819 Transit Employees Credit Union on 5. 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.