Side-by-side · Q2 2026 data
Terminals Federal Credit Union vs Division 819 Transit Employees Credit Union
Credit union
Terminals Federal Credit Union
Carteret, New Jersey · Under $100 million in assets
Credit union
Division 819 Transit Employees Credit Union
Irvington, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Terminals Federal Credit Union | Division 819 Transit Employees Credit Union |
|---|---|---|
| TellerScore | 66 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 66 (stronger) |
| Earnings | 100 (stronger) | 83 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 84 | 96 (stronger) |
| Peer percentile | 32nd | 85th |
| Total assets | $943K | $16.7M |
| Deposits / shares | $571K | $13.7M |
| Capital ratio | 38.90% (stronger) | 17.89% |
| Problem loans | 3.95% | 1.02% (stronger) |
| Net charge-offs | -0.19% (stronger) | 1.73% |
| Return on assets | 4.15% (stronger) | 1.56% |
| Loans ÷ deposits | 150.0% | 42.6% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Division 819 Transit Employees Credit Union has the higher TellerScore (88 vs 66). On the 6 directional measures above (where higher or lower is clearly better), Terminals Federal Credit Union leads on 3 and Division 819 Transit Employees Credit Union on 3. 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.