This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
Newark, NJ
Health score
70.8
Total assets
$7.5M
Credit union
Woodbridge, NJ
Health score
60.6
Total assets
$7.2M
Answer first
I.L.A. LOCAL 1235 leads on financial health and profitability and lending quality; NEW JERSEY STATE PBA leads on capitalization. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
I.L.A. LOCAL 1235
Higher TFS health score
Capitalization
NEW JERSEY STATE PBA
Higher comparable capital ratio
Profitability
I.L.A. LOCAL 1235
Higher return on assets
Lending quality
I.L.A. LOCAL 1235
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | I.L.A. LOCAL 1235 | NEW JERSEY STATE PBA |
|---|---|---|
| TFS health score | 70.8/100Leads | 60.6/100 |
| Total assets | $7.5M | $7.2M |
| Total deposits / shares | $6.5M | $6.1M |
| Net worth ratio | 11.99% | 15.49%Leads |
| Return on assets | 0.37%Leads | -1.52% |
| Return on equity | 3.08%Leads |
I.L.A. LOCAL 1235
1 branches
NEW JERSEY STATE PBA
2 branches
Both institutions report branches in 1 state: NJ.
I.L.A. LOCAL 1235
Unavailable
NEW JERSEY STATE PBA
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
I.L.A. LOCAL 1235
0 in TFS registry
NEW JERSEY STATE PBA
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | I.L.A. LOCAL 1235 score | I.L.A. LOCAL 1235 ROA | NEW JERSEY STATE PBA score | NEW JERSEY STATE PBA ROA |
|---|---|---|---|---|
| 2026-Q1 | 70.2/100 | 0.23% | 61.5/100 | -1.54% |
| 2026-Q2 | 70.8/100 | 0.37% | 60.6/100 | -1.52% |
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Coverage boundaries
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| -9.81% |
| 60+ day delinquency | 0.21%Leads | 0.41% |
| Net charge-offs | -0.04%Leads | 0.00% |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 81.60% | 36.18% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 1 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |