Side-by-side · Q2 2026 data
Union County Savings Bank vs Local 1233 Federal Credit Union
Credit union
Local 1233 Federal Credit Union
Newark, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Union County Savings Bank | Local 1233 Federal Credit Union |
|---|---|---|
| TellerScore | 51 | 88 (stronger) |
| Capital cushion | 28 | 100 (stronger) |
| Loan quality | 70 | 91 (stronger) |
| Earnings | 0 | 53 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 8th | 85th |
| Total assets | $1.5B | $14.1M |
| Deposits / shares | $1.3B | $11.5M |
| Capital ratio | 7.77% | 17.87% (stronger) |
| Problem loans | 0.91% | 0.27% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.31% |
| Return on assets | -1.45% | 0.82% (stronger) |
| Loans ÷ deposits | 22.7% (stronger) | 49.1% |
| Uninsured deposits | 15.7% | 2.7% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Local 1233 Federal Credit Union has the higher TellerScore (88 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Union County Savings Bank leads on 2 and Local 1233 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.