Side-by-side · Q2 2026 data
The First National Bank of Elmer vs Goya Foods Employees Federal Credit Union
Credit union
Goya Foods Employees Federal Credit Union
Jersey City, New Jersey · Under $100 million in assets
Metric by metric
| Measure | The First National Bank of Elmer | Goya Foods Employees Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 86 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 62 | 71 (stronger) |
| Earnings | 50 | 69 (stronger) |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 83 | 99 (stronger) |
| Peer percentile | 16th | 80th |
| Total assets | $407.8M | $11.2M |
| Deposits / shares | $365.3M | $8.7M |
| Capital ratio | 10.00% | 22.45% (stronger) |
| Problem loans | 1.14% | 0.86% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.75% | 1.23% (stronger) |
| Loans ÷ deposits | 90.6% | 13.7% (stronger) |
| Uninsured deposits | 25.7% | 0.0% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.5% | — |
Goya Foods Employees Federal Credit Union has the higher TellerScore (86 vs 58). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Elmer leads on 1 and Goya Foods Employees Federal Credit Union on 6. 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.