Side-by-side · Q2 2026 data
Raritan Bay Federal Credit Union vs Healthcare Employees Federal Credit Union
Credit union
Raritan Bay Federal Credit Union
Sayreville, New Jersey · $100 million – $1 billion
Credit union
Healthcare Employees Federal Credit Union
Princeton, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | Raritan Bay Federal Credit Union | Healthcare Employees Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 86 (stronger) |
| Capital cushion | 38 | 86 (stronger) |
| Loan quality | 59 | 79 (stronger) |
| Earnings | 67 | 88 (stronger) |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 90 | 94 (stronger) |
| Peer percentile | 31st | 89th |
| Total assets | $107.6M | $137.2M |
| Deposits / shares | $98.0M | $119.0M |
| Capital ratio | 8.79% | 13.58% (stronger) |
| Problem loans | 1.24% | 0.62% (stronger) |
| Net charge-offs | 0.12% | 0.07% (stronger) |
| Return on assets | 1.17% | 1.71% (stronger) |
| Loans ÷ deposits | 39.8% (stronger) | 70.5% |
| Uninsured deposits | 3.3% | 2.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Healthcare Employees Federal Credit Union has the higher TellerScore (86 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Raritan Bay Federal Credit Union leads on 1 and Healthcare Employees Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.