Side-by-side · Q2 2026 data
Quaint Oak 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 | Quaint Oak Bank | New Jersey Law and Public Safety Credit Union |
|---|---|---|
| TellerScore | 52 | 93 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 42 | 90 (stronger) |
| Earnings | 38 | 90 (stronger) |
| Funding & liquidity | 59 | 83 (stronger) |
| Problem-loan coverage | 73 | 98 (stronger) |
| Peer percentile | 8th | 94th |
| Total assets | $631.5M | $63.9M |
| Deposits / shares | $556.8M | $51.2M |
| Capital ratio | 10.91% | 19.65% (stronger) |
| Problem loans | 1.73% | 0.31% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.22% |
| Return on assets | 0.44% | 1.74% (stronger) |
| Loans ÷ deposits | 100.8% | 76.9% (stronger) |
| Uninsured deposits | 12.4% | 3.4% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
New Jersey Law and Public Safety Credit Union has the higher TellerScore (93 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Quaint Oak 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.