Side-by-side · Q2 2026 data
Terminals Federal Credit Union vs Heard A.M.E. Federal Credit Union
Credit union
Terminals Federal Credit Union
Carteret, New Jersey · Under $100 million in assets
Credit union
Heard A.M.E. Federal Credit Union
Roselle, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Terminals Federal Credit Union | Heard A.M.E. Federal Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 53 |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 0 | 0 |
| Earnings | 100 (stronger) | 92 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 84 (stronger) | 68 |
| Peer percentile | 32nd | 12th |
| Total assets | $943K | $165K |
| Deposits / shares | $571K | $149K |
| Capital ratio | 38.90% (stronger) | 9.38% |
| Problem loans | 3.95% (stronger) | 6.33% |
| Net charge-offs | -0.19% (stronger) | 0.00% |
| Return on assets | 4.15% (stronger) | 1.79% |
| Loans ÷ deposits | 150.0% | 28.9% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Terminals Federal Credit Union has the higher TellerScore (66 vs 53). On the 6 directional measures above (where higher or lower is clearly better), Terminals Federal Credit Union leads on 5 and Heard A.M.E. Federal Credit Union on 1. 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.