TellerScore

1st Bergen Federal Credit Union is a federal credit union headquartered in Hackensack, New Jersey, in business for about 17 years. At the end of Q2 2026 it reported $11.2M in total assets and $7.4M in member shares and deposits, with 3 offices.

1st Bergen Federal Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 84th. Capital cushion contributes the most (100/100, 27.67%); loan quality contributes the least (0/100, 2.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 27.67%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 2.99%
Earnings59/100
Return on assets (annualized): 0.97%
Funding & liquidity81/100
Loans ÷ shares: 79.3% · 8.7% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.64%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (67 → 63), mostly because the loan quality component weakened by 14 points.

TellerScore
596673Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202466
Q4 202459
Q1 202570
Q2 202567
Q3 202564
Q4 202563
Q1 202661
Q2 202663
Net worth ratio
7.00%18.86%30.71%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202426.82%
Q3 202430.71%
Q4 202427.43%
Q1 202526.19%
Q2 202528.54%
Q3 202527.75%
Q4 202528.81%
Q1 202627.18%
Q2 202627.67%
Delinquent loans (60+ days)
1.56%3.02%4.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.56%
Q3 20242.12%
Q4 20243.02%
Q1 20251.82%
Q2 20252.58%
Q3 20253.47%
Q4 20254.48%
Q1 20263.71%
Q2 20262.99%
Return on assets
0.73%1.05%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.05%
Q3 20240.98%
Q4 20240.73%
Q1 20250.73%
Q2 20251.25%
Q3 20251.37%
Q4 20251.10%
Q1 20260.80%
Q2 20260.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$11.2M27.67%2.99%0.97%79.3%
Q1 202661$11.3M27.18%3.71%0.80%77.2%
Q4 202563$10.6M28.81%4.48%1.10%83.9%
Q3 202564$11.0M27.75%3.47%1.37%88.3%
Q2 202567$10.5M28.54%2.58%1.25%92.4%
Q1 202570$11.3M26.19%1.82%0.73%85.2%
Q4 202459$10.7M27.43%3.02%0.73%91.8%
Q3 202466$9.5M30.71%2.12%0.98%112.6%
Q2 202473$10.8M26.82%1.56%1.05%88.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio27.67%
92nd
Problem loans2.99%
13th
Net charge-offs1.39%
9th
Return on assets0.97%
66th
Loans to deposits79.3%
20th
Uninsured deposits8.7%
9th
Loan-loss reserves0.00%
37th
Texas ratio5.6%
26th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Goya Foods Employees Federal Credit UnionCredit union Jersey City, NJ86 out of 100, Very strong$11.2M22.4%0.86%vs
Members Connect Federal Credit UnionCredit union Madison, NJ60 out of 100, Moderate$10.8M14.2%2.40%vs
Jersey City Firemen Federal Credit UnionCredit union Jersey City, NJ74 out of 100, Strong$11.7M46.7%1.65%vs
Peoples Transport Federal Credit UnionCredit union Mount Ephraim, NJ54 out of 100, Below average$11.8M10.0%1.45%vs
Erie Lackawanna Railroad Co Emp Federal Credit UnionCredit union Hoboken, NJ83 out of 100, Strong$11.9M25.4%0.64%vs
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs

Deposit insurance

Is my money safe at 1st Bergen Federal Credit Union?

Yes. 1st Bergen Federal Credit Union is a federally insured credit union (NCUA charter #24810). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.7% of shares and deposits ($639K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 27.67%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

1st Bergen Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
1st Bergen Federal Credit Union
Type
Federal credit union
NCUA charter #
24810
RSSD ID
3945737
Primary regulator
NCUA
Established
2009
Headquarters
392 Main St, Hackensack, NJ 07601
Employees
4

Quick answers

1st Bergen Federal Credit Union: common questions

Is 1st Bergen Federal Credit Union NCUA insured?

Yes. 1st Bergen Federal Credit Union is a federally insured credit union (NCUA charter #24810). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is 1st Bergen Federal Credit Union's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does 1st Bergen Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hackensack

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Paul Quinn Federal Credit UnionCredit union Jamaica, NY93 out of 100, Very strong$358K26.1%0.00%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs