Side-by-side · Q2 2026 data
Rutgers Federal Credit Union vs Union Building Trades Federal Credit Union
Credit union
Rutgers Federal Credit Union
New Brunswick, New Jersey · Under $100 million in assets
Credit union
Union Building Trades Federal Credit Union
Parsippany, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Rutgers Federal Credit Union | Union Building Trades Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 71 |
| Capital cushion | 76 | 78 (stronger) |
| Loan quality | 87 (stronger) | 72 |
| Earnings | 82 (stronger) | 29 |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 77th | 42nd |
| Total assets | $77.4M | $85.8M |
| Deposits / shares | $67.0M | $71.7M |
| Capital ratio | 12.64% | 12.78% (stronger) |
| Problem loans | 0.39% (stronger) | 0.84% |
| Net charge-offs | 0.52% | 0.04% (stronger) |
| Return on assets | 1.54% (stronger) | 0.22% |
| Loans ÷ deposits | 31.6% (stronger) | 60.9% |
| Uninsured deposits | 6.2% | 1.8% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Rutgers Federal Credit Union has the higher TellerScore (85 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Rutgers Federal Credit Union leads on 4 and Union Building Trades Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.