Side-by-side · Q2 2026 data
Proponent Federal Credit Union vs Credit Union of New Jersey, a
Metric by metric
| Measure | Proponent Federal Credit Union | Credit Union of New Jersey, a |
|---|---|---|
| TellerScore | 70 | 72 (stronger) |
| Capital cushion | 95 (stronger) | 56 |
| Loan quality | 59 | 69 (stronger) |
| Earnings | 44 | 94 (stronger) |
| Funding & liquidity | 65 | 71 (stronger) |
| Problem-loan coverage | 84 | 85 (stronger) |
| Peer percentile | 51st | 57th |
| Total assets | $508.8M | $512.8M |
| Deposits / shares | $424.6M | $441.4M |
| Capital ratio | 14.49% (stronger) | 10.60% |
| Problem loans | 1.22% | 0.93% (stronger) |
| Net charge-offs | 0.30% (stronger) | 0.71% |
| Return on assets | 0.59% | 1.84% (stronger) |
| Loans ÷ deposits | 95.3% | 89.7% (stronger) |
| Uninsured deposits | 7.7% | 4.1% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.9% | — |
Credit Union of New Jersey, a has the higher TellerScore (72 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Proponent Federal Credit Union leads on 2 and Credit Union of New Jersey, a on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.