Side-by-side · Q2 2026 data
Somerset Regal Bank vs Public Service E.D. Trenton Federal Credit Union
Credit union
Public Service E.D. Trenton Federal Credit Union
Mercerville, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Somerset Regal Bank | Public Service E.D. Trenton Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 89 (stronger) |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 33 | 43 (stronger) |
| Funding & liquidity | 56 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 80th | 87th |
| Total assets | $1.2B | $2.6M |
| Deposits / shares | $925.1M | $1.3M |
| Capital ratio | 13.81% | 49.92% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% (stronger) | 2.50% |
| Return on assets | 0.34% | 0.57% (stronger) |
| Loans ÷ deposits | 97.4% | 48.7% (stronger) |
| Uninsured deposits | 20.7% | 0.0% (stronger) |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Public Service E.D. Trenton Federal Credit Union has the higher TellerScore (89 vs 76). On the 6 directional measures above (where higher or lower is clearly better), Somerset Regal Bank leads on 1 and Public Service E.D. Trenton Federal Credit Union on 5. 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.