Side-by-side · Q2 2026 data
Raritan Bay Federal Credit Union vs Liberty Savings Federal Credit Union
Credit union
Raritan Bay Federal Credit Union
Sayreville, New Jersey · $100 million – $1 billion
Credit union
Liberty Savings Federal Credit Union
Jersey City, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | Raritan Bay Federal Credit Union | Liberty Savings Federal Credit Union |
|---|---|---|
| TellerScore | 64 (stronger) | 54 |
| Capital cushion | 38 | 67 (stronger) |
| Loan quality | 59 (stronger) | 30 |
| Earnings | 67 (stronger) | 15 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 90 (stronger) | 82 |
| Peer percentile | 31st | 10th |
| Total assets | $107.6M | $135.1M |
| Deposits / shares | $98.0M | $116.8M |
| Capital ratio | 8.79% | 11.68% (stronger) |
| Problem loans | 1.24% (stronger) | 2.09% |
| Net charge-offs | 0.12% (stronger) | 1.89% |
| Return on assets | 1.17% (stronger) | -0.12% |
| Loans ÷ deposits | 39.8% (stronger) | 57.4% |
| Uninsured deposits | 3.3% (stronger) | 4.4% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Raritan Bay Federal Credit Union has the higher TellerScore (64 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Raritan Bay Federal Credit Union leads on 6 and Liberty Savings Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.