TellerScore

Bridgeton Onized Federal Credit Union (NCUA charter #3476) is based in Cedarville, New Jersey. Its Q2 2026 call report shows $49.7M in total assets and $44.7M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Bridgeton Onized Federal Credit Union scores 45/100, which we describe as below average. That is higher than only 5% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 119th. Its strongest component is problem-loan coverage (72/100; 14.0%), and its lowest is capital cushion (27/100; 7.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion27/100
Net worth ratio: 7.73%
Loan quality60/100
Loans 60+ days delinquent ÷ total loans: 1.19%
Earnings29/100
Return on assets (annualized): 0.23%
Funding & liquidity59/100
Loans ÷ shares: 101.7% · 1.3% uninsured
Problem-loan coverage72/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 14.01%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (45 → 45).

TellerScore
354045Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202438
Q3 202436
Q4 202435
Q1 202540
Q2 202545
Q3 202542
Q4 202540
Q1 202640
Q2 202645
Net worth ratio
7.00%7.73%8.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.11%
Q3 20248.47%
Q4 20248.01%
Q1 20257.64%
Q2 20258.04%
Q3 20257.91%
Q4 20257.60%
Q1 20267.46%
Q2 20267.73%
Delinquent loans (60+ days)
1.19%2.00%2.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.66%
Q3 20242.82%
Q4 20242.50%
Q1 20251.82%
Q2 20251.69%
Q3 20251.71%
Q4 20251.85%
Q1 20261.44%
Q2 20261.19%
Return on assets
-0.19%0.32%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.75%
Q4 20240.46%
Q1 20250.24%
Q2 20250.65%
Q3 20250.29%
Q4 20250.34%
Q1 2026-0.19%
Q2 20260.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202645$49.7M7.73%1.19%0.23%101.7%
Q1 202640$50.5M7.46%1.44%-0.19%94.4%
Q4 202540$49.9M7.60%1.85%0.34%94.2%
Q3 202542$48.8M7.91%1.71%0.29%96.1%
Q2 202545$48.6M8.04%1.69%0.65%96.3%
Q1 202540$49.5M7.64%1.82%0.24%90.0%
Q4 202435$46.8M8.01%2.50%0.46%94.6%
Q3 202436$46.4M8.47%2.82%0.75%93.8%
Q2 202438$47.7M8.11%2.66%0.83%88.6%

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 ratio7.73%
4th
Problem loans1.19%
34th
Net charge-offs1.68%
7th
Return on assets0.23%
28th
Loans to deposits101.7%
3rd
Uninsured deposits1.3%
51st
Loan-loss reserves0.00%
37th
Texas ratio14.0%
8th

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Deposit insurance

Is my money safe at Bridgeton Onized Federal Credit Union?

Yes. Bridgeton Onized Federal Credit Union is a federally insured credit union (NCUA charter #3476). 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 1.3% of shares and deposits ($589K) 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 7.73%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Bridgeton Onized Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bridgeton Onized Federal Credit Union
Type
Federal credit union
NCUA charter #
3476
RSSD ID
672377
Primary regulator
NCUA
Established
1939
Headquarters
339 Main St, Cedarville, NJ 08311
Employees
16

Quick answers

Bridgeton Onized Federal Credit Union: common questions

Is Bridgeton Onized Federal Credit Union NCUA insured?

Yes. Bridgeton Onized Federal Credit Union is a federally insured credit union (NCUA charter #3476). 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 Bridgeton Onized Federal Credit Union's TellerScore?

45 out of 100 (Below average), 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 Bridgeton Onized Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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