Side-by-side · Q2 2026 data
Public Service E.D. Trenton Federal Credit Union vs Hmc (Nj) Federal Credit Union
Credit union
Public Service E.D. Trenton Federal Credit Union
Mercerville, New Jersey · Under $100 million in assets
Credit union
Hmc (Nj) Federal Credit Union
Flemington, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Public Service E.D. Trenton Federal Credit Union | Hmc (Nj) Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 100 | 100 |
| Earnings | 43 (stronger) | 29 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 87th | 52nd |
| Total assets | $2.6M | $8.9M |
| Deposits / shares | $1.3M | $7.8M |
| Capital ratio | 49.92% (stronger) | 11.31% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 2.50% | -0.04% (stronger) |
| Return on assets | 0.57% (stronger) | 0.23% |
| Loans ÷ deposits | 48.7% | 21.9% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Public Service E.D. Trenton Federal Credit Union has the higher TellerScore (89 vs 75). On the 6 directional measures above (where higher or lower is clearly better), Public Service E.D. Trenton Federal Credit Union leads on 4 and Hmc (Nj) Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.