Side-by-side · Q2 2026 data
Terminals Federal Credit Union vs Local 1233 Federal Credit Union
Credit union
Terminals Federal Credit Union
Carteret, New Jersey · Under $100 million in assets
Credit union
Local 1233 Federal Credit Union
Newark, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Terminals Federal Credit Union | Local 1233 Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 91 (stronger) |
| Earnings | 100 (stronger) | 53 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 84 | 99 (stronger) |
| Peer percentile | 32nd | 85th |
| Total assets | $943K | $14.1M |
| Deposits / shares | $571K | $11.5M |
| Capital ratio | 38.90% (stronger) | 17.87% |
| Problem loans | 3.95% | 0.27% (stronger) |
| Net charge-offs | -0.19% (stronger) | 0.31% |
| Return on assets | 4.15% (stronger) | 0.82% |
| Loans ÷ deposits | 150.0% | 49.1% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.7% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Local 1233 Federal Credit Union has the higher TellerScore (88 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Terminals Federal Credit Union leads on 4 and Local 1233 Federal 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.