Side-by-side · Q2 2026 data
Public Service Federal Credit Union vs H. E. Telephone Federal Credit Union
Credit union
Public Service Federal Credit Union
Middlesex, New Jersey · Under $100 million in assets
Credit union
H. E. Telephone Federal Credit Union
Rochelle Park, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Public Service Federal Credit Union | H. E. Telephone Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 73 |
| Capital cushion | 100 | 100 |
| Loan quality | 59 (stronger) | 52 |
| Earnings | 73 (stronger) | 27 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 (stronger) | 91 |
| Peer percentile | 75th | 47th |
| Total assets | $40.4M | $46.4M |
| Deposits / shares | $33.9M | $39.2M |
| Capital ratio | 15.91% (stronger) | 15.14% |
| Problem loans | 1.24% (stronger) | 1.45% |
| Net charge-offs | -0.25% (stronger) | 0.52% |
| Return on assets | 1.33% (stronger) | 0.17% |
| Loans ÷ deposits | 39.2% (stronger) | 56.6% |
| Uninsured deposits | 0.0% (stronger) | 8.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Public Service Federal Credit Union has the higher TellerScore (84 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Public Service Federal Credit Union leads on 7 and H. E. Telephone Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.