Side-by-side · Q2 2026 data
Raritan Bay Federal Credit Union vs Advanced Financial Federal Credit Union
Credit union
Raritan Bay Federal Credit Union
Sayreville, New Jersey · $100 million – $1 billion
Credit union
Advanced Financial Federal Credit Union
New Providence, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | Raritan Bay Federal Credit Union | Advanced Financial Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 72 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 59 (stronger) | 52 |
| Earnings | 67 (stronger) | 26 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 90 | 91 (stronger) |
| Peer percentile | 31st | 57th |
| Total assets | $107.6M | $107.0M |
| Deposits / shares | $98.0M | $89.8M |
| Capital ratio | 8.79% | 15.67% (stronger) |
| Problem loans | 1.24% (stronger) | 1.45% |
| Net charge-offs | 0.12% (stronger) | 0.26% |
| Return on assets | 1.17% (stronger) | 0.15% |
| Loans ÷ deposits | 39.8% (stronger) | 59.0% |
| Uninsured deposits | 3.3% (stronger) | 5.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Advanced Financial Federal Credit Union has the higher TellerScore (72 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Raritan Bay Federal Credit Union leads on 5 and Advanced Financial Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.