TellerScore

Central Jersey Federal Credit Union (NCUA charter #1108) is based in Woodbridge, New Jersey. Its Q2 2026 call report shows $93.2M in total assets and $82.2M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Central Jersey Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 34% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 64th. Its strongest component is funding & liquidity (100/100; 54% loans-to-deposits, 2% uninsured), and its lowest is earnings (46/100; 0.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Net worth ratio: 10.58%
Loan quality67/100
Loans 60+ days delinquent ÷ total loans: 0.98%
Earnings46/100
Return on assets (annualized): 0.66%
Funding & liquidity100/100
Loans ÷ shares: 53.7% · 2.1% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.37%

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 3 points (64 → 67), mostly because the capital cushion component improved by 10 points.

TellerScore
626669Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202465
Q4 202467
Q1 202564
Q2 202564
Q3 202562
Q4 202569
Q1 202668
Q2 202667
Net worth ratio
7.00%8.79%10.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.07%
Q3 20249.75%
Q4 20249.72%
Q1 20259.45%
Q2 20259.57%
Q3 202510.23%
Q4 202510.40%
Q1 202610.29%
Q2 202610.58%
Delinquent loans (60+ days)
0.51%0.82%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.74%
Q3 20240.75%
Q4 20240.63%
Q1 20250.51%
Q2 20250.77%
Q3 20251.14%
Q4 20250.68%
Q1 20260.73%
Q2 20260.98%
Return on assets
0.23%0.46%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.50%
Q4 20240.55%
Q1 20250.23%
Q2 20250.46%
Q3 20250.43%
Q4 20250.69%
Q1 20260.64%
Q2 20260.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$93.2M10.58%0.98%0.66%53.7%
Q1 202668$94.4M10.29%0.73%0.64%52.3%
Q4 202569$92.6M10.40%0.68%0.69%55.1%
Q3 202562$90.7M10.23%1.14%0.43%55.7%
Q2 202564$96.2M9.57%0.77%0.46%51.3%
Q1 202564$95.7M9.45%0.51%0.23%50.5%
Q4 202467$93.3M9.72%0.63%0.55%51.9%
Q3 202465$91.2M9.75%0.75%0.50%53.9%
Q2 202463$96.9M9.07%0.74%0.48%48.7%

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 ratio10.58%
21st
Problem loans0.98%
40th
Net charge-offs0.03%
65th
Return on assets0.66%
51st
Loans to deposits53.7%
57th
Uninsured deposits2.1%
44th
Loan-loss reserves0.00%
37th
Texas ratio4.4%
33rd

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Irco Community Federal Credit UnionCredit union Phillipsburg, NJ78 out of 100, Strong$93.7M10.1%0.01%vs
Bay Atlantic Federal Credit UnionCredit union Vineland, NJ66 out of 100, Moderate$97.1M8.9%0.23%vs
Ridgedale Federal Credit UnionCredit union East Hanover, NJ53 out of 100, Below average$98.0M9.1%1.04%vs
Union Building Trades Federal Credit UnionCredit union Parsippany, NJ71 out of 100, Strong$85.8M12.8%0.84%vs
B-M S Federal Credit UnionCredit union New Brunswick, NJ80 out of 100, Strong$81.7M21.1%0.54%vs
Rutgers Federal Credit UnionCredit union New Brunswick, NJ85 out of 100, Very strong$77.4M12.6%0.39%vs

Deposit insurance

Is my money safe at Central Jersey Federal Credit Union?

Yes. Central Jersey Federal Credit Union is a federally insured credit union (NCUA charter #1108). 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 2.1% of shares and deposits ($1.7M) 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 10.58%, 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

Central Jersey Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Central Jersey Federal Credit Union reported 61 home-loan applications under HMDA (LEI 254900BQENI8J22AJ557): 53 originated ($6,235,000 total), 5 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Central Jersey Federal Credit Union
Type
Federal credit union
NCUA charter #
1108
RSSD ID
636173
Primary regulator
NCUA
Established
1936
Headquarters
34 Main Street, Woodbridge, NJ 07095
Employees
14

Quick answers

Central Jersey Federal Credit Union: common questions

Is Central Jersey Federal Credit Union NCUA insured?

Yes. Central Jersey Federal Credit Union is a federally insured credit union (NCUA charter #1108). 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 Central Jersey Federal Credit Union's TellerScore?

67 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 Central Jersey Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Woodbridge

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
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Local 1233 Federal Credit UnionCredit union Newark, NJ88 out of 100, Very strong$14.1M17.9%0.27%vs
Division 819 Transit Employees Credit UnionCredit union Irvington, NJ88 out of 100, Very strong$16.7M17.9%1.02%vs
Hana Bank USA, National AssociationBank Fort Lee, NJ88 out of 100, Very strong$835.2M25.4%0.00%vs