TellerScore

Headquartered in Bayonne, New Jersey, Bayonne School Employees Federal Credit Union is a federal credit union with $9.4M in total assets and $8.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1938.

Bayonne School Employees Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 44% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 51st. Funding & liquidity contributes the most (100/100, 5% loans-to-deposits, 0% uninsured); capital cushion contributes the least (59/100, 10.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.86%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.05%
Earnings65/100
Return on assets (annualized): 1.12%
Funding & liquidity100/100
Loans ÷ shares: 4.8% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.71%

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 rose 6 points (66 → 72), mostly because the capital cushion component improved by 39 points.

TellerScore
567798Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202498
Q4 202478
Q1 202556
Q2 202566
Q3 202593
Q4 202579
Q1 202678
Q2 202672
Net worth ratio
7.00%10.78%14.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.94%
Q3 202414.16%
Q4 202411.02%
Q1 20258.69%
Q2 20257.02%
Q3 202514.56%
Q4 202510.90%
Q1 20268.36%
Q2 202610.86%
Delinquent loans (60+ days)
0.00%1.87%3.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20253.73%
Q2 20250.44%
Q3 20250.62%
Q4 20250.39%
Q1 20260.00%
Q2 20261.05%
Return on assets
0.74%1.90%3.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.52%
Q3 20243.05%
Q4 20240.74%
Q1 20252.18%
Q2 20251.28%
Q3 20252.27%
Q4 20251.32%
Q1 20261.69%
Q2 20261.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$9.4M10.86%1.05%1.12%4.8%
Q1 202678$7.6M8.36%0.00%1.69%3.4%
Q4 202579$5.7M10.90%0.39%1.32%7.1%
Q3 202593$3.9M14.56%0.62%2.27%11.6%
Q2 202566$8.8M7.02%0.44%1.28%4.9%
Q1 202556$7.1M8.69%3.73%2.18%3.9%
Q4 202478$5.5M11.02%0.00%0.74%7.9%
Q3 202498$3.8M14.16%0.00%3.05%12.1%
Q2 202481$8.4M9.94%0.00%1.52%5.2%

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 ratio10.86%
23rd
Problem loans1.05%
37th
Net charge-offs0.00%
77th
Return on assets1.12%
72nd
Loans to deposits4.8%
99th
Uninsured deposits0.0%
81st
Loan-loss reserves1.70%
88th
Texas ratio0.7%
71st

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Hmc (Nj) Federal Credit UnionCredit union Flemington, NJ75 out of 100, Strong$8.9M11.3%0.00%vs
East Orange Firemens Federal Credit UnionCredit union Bloomfield, NJ64 out of 100, Moderate$9.9M26.3%8.37%vs
New Jersey Community Federal Credit UnionCredit union Moorestown, NJ55 out of 100, Moderate$8.8M10.2%2.11%vs
Bloomfield Fire and Police Federal Credit UnionCredit union Bloomfield, NJ67 out of 100, Moderate$10.0M14.9%2.50%vs
P.S.E. & G. Nuclear Employees Federal Credit UnionCredit union Hancocks Bridge, NJ72 out of 100, Strong$10.0M12.9%0.24%vs
Hoboken N J Police Federal Credit UnionCredit union Hoboken, NJ49 out of 100, Below average$10.3M22.7%3.84%vs

Deposit insurance

Is my money safe at Bayonne School Employees Federal Credit Union?

Yes. Bayonne School Employees Federal Credit Union is a federally insured credit union (NCUA charter #2641). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.86%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Bayonne School Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bayonne School Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
2641
RSSD ID
693279
Primary regulator
NCUA
Established
1938
Headquarters
667 Avenue a, Bayonne, NJ 07002
Employees
3

Quick answers

Bayonne School Employees Federal Credit Union: common questions

Is Bayonne School Employees Federal Credit Union NCUA insured?

Yes. Bayonne School Employees Federal Credit Union is a federally insured credit union (NCUA charter #2641). 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 Bayonne School Employees Federal Credit Union's TellerScore?

72 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 Bayonne School Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bayonne

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
Paul Quinn Federal Credit UnionCredit union Jamaica, NY93 out of 100, Very strong$358K26.1%0.00%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
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs