B-M S Federal Credit Union is a federal credit union headquartered in New Brunswick, New Jersey, in business for about 72 years. At the end of Q2 2026 it reported $81.7M in total assets and $65.7M in member shares and deposits, with 4 offices.
Based on its Q2 2026 filing, B-M S Federal Credit Union scores 80/100, which we describe as strong. That is higher than 65% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 21st. Its strongest component is capital cushion (100/100; 21.09%), and its lowest is earnings (25/100; 0.13%).
TellerScore · Q2 2026
Scorecard
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 (84 → 80), mostly because the loan quality component weakened by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 79 |
| Q4 2024 | 77 |
| Q1 2025 | 82 |
| Q2 2025 | 84 |
| Q3 2025 | 85 |
| Q4 2025 | 78 |
| Q1 2026 | 78 |
| Q2 2026 | 80 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 20.26% |
| Q3 2024 | 20.92% |
| Q4 2024 | 21.18% |
| Q1 2025 | 19.21% |
| Q2 2025 | 20.82% |
| Q3 2025 | 21.81% |
| Q4 2025 | 21.95% |
| Q1 2026 | 19.91% |
| Q2 2026 | 21.09% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.45% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.07% |
| Q3 2025 | 0.11% |
| Q4 2025 | 0.45% |
| Q1 2026 | 0.50% |
| Q2 2026 | 0.54% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.37% |
| Q3 2024 | -0.40% |
| Q4 2024 | -0.44% |
| Q1 2025 | -0.22% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.25% |
| Q4 2025 | -0.29% |
| Q1 2026 | -0.23% |
| Q2 2026 | 0.13% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $81.7M | 21.09% | 0.54% | 0.13% | 37.7% |
| Q1 2026 | 78 | $86.1M | 19.91% | 0.50% | -0.23% | 28.9% |
| Q4 2025 | 78 | $78.4M | 21.95% | 0.45% | -0.29% | 31.7% |
| Q3 2025 | 85 | $80.6M | 21.81% | 0.11% | 0.25% | 28.8% |
| Q2 2025 | 84 | $83.8M | 20.82% | 0.07% | 0.05% | 25.6% |
| Q1 2025 | 82 | $90.5M | 19.21% | 0.07% | -0.22% | 22.6% |
| Q4 2024 | 77 | $82.3M | 21.18% | 0.45% | -0.44% | 27.3% |
| Q3 2024 | 79 | $83.8M | 20.92% | 0.20% | -0.40% | 28.0% |
| Q2 2024 | 80 | $87.1M | 20.26% | 0.17% | -0.37% | 28.3% |
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).
Similar-size credit unions in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Union Building Trades Federal Credit UnionCredit union Parsippany, NJ | 71 out of 100, Strong | $85.8M | 12.8% | 0.84% | vs |
| Rutgers Federal Credit UnionCredit union New Brunswick, NJ | 85 out of 100, Very strong | $77.4M | 12.6% | 0.39% | vs |
| Hoboken School Employees Federal Credit UnionCredit union Hoboken, NJ | 72 out of 100, Strong | $75.6M | 20.5% | 1.36% | vs |
| United Poles Federal Credit UnionCredit union Perth Amboy, NJ | 28 out of 100, Low | $72.3M | 7.0% | 2.96% | vs |
| Central Jersey Federal Credit UnionCredit union Woodbridge, NJ | 67 out of 100, Moderate | $93.2M | 10.6% | 0.98% | vs |
| Irco Community Federal Credit UnionCredit union Phillipsburg, NJ | 78 out of 100, Strong | $93.7M | 10.1% | 0.01% | vs |
Deposit insurance
Is my money safe at B-M S Federal Credit Union?
Yes. B-M S Federal Credit Union is a federally insured credit union (NCUA charter #9146). 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 13.2% of shares and deposits ($8.6M) 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 21.09%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
B-M S Federal Credit Union lists 4 offices in 3 cities. Most locations:
- New Brunswick, NJ (2)
- Lawrenceville, NJ (1)
- Princeton, NJ (1)
Identity & history
Profile
- Legal name
- B-M S Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 9146
- RSSD ID
- 342184
- Primary regulator
- NCUA
- Established
- 1954
- Headquarters
- 1 Squibb Dr, New Brunswick, NJ 08901
- Employees
- 11
Quick answers
B-M S Federal Credit Union: common questions
Is B-M S Federal Credit Union NCUA insured?
Yes. B-M S Federal Credit Union is a federally insured credit union (NCUA charter #9146). 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 B-M S Federal Credit Union's TellerScore?
80 out of 100 (Strong), 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 B-M S Federal Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near New Brunswick
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| New Jersey Law and Public Safety Credit UnionCredit union Trenton, NJ | 93 out of 100, Very strong | $63.9M | 19.6% | 0.31% | vs |
| Central Jersey Police & Fire Federal Credit UnionCredit union Hamilton, NJ | 91 out of 100, Very strong | $52.3M | 14.4% | 0.48% | vs |
| Public Service E.D. Trenton Federal Credit UnionCredit union Mercerville, NJ | 89 out of 100, Very strong | $2.6M | 49.9% | 0.00% | vs |
| Division 819 Transit Employees Credit UnionCredit union Irvington, NJ | 88 out of 100, Very strong | $16.7M | 17.9% | 1.02% | vs |
| Local 1233 Federal Credit UnionCredit union Newark, NJ | 88 out of 100, Very strong | $14.1M | 17.9% | 0.27% | vs |