TellerScore

Central Jersey Police & Fire Federal Credit Union is a federal credit union headquartered in Hamilton, New Jersey, in business for about 87 years. At the end of Q2 2026 it reported $52.3M in total assets and $44.6M in member shares and deposits, with 2 offices.

Central Jersey Police & Fire Federal Credit Union has a TellerScore of 91 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 4th. Problem-loan coverage contributes the most (96/100, 1.9%); loan quality contributes the least (84/100, 0.48%).

TellerScore · Q2 2026

Scorecard

Capital cushion94/100
Net worth ratio: 14.40%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings93/100
Return on assets (annualized): 1.84%
Funding & liquidity93/100
Loans ÷ shares: 67.6% · 11.4% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.92%

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 2 points (89 → 91), mostly because the earnings component improved by 9 points.

TellerScore
838893Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202483
Q4 202489
Q1 202586
Q2 202589
Q3 202589
Q4 202586
Q1 202693
Q2 202691
Net worth ratio
7.00%10.97%14.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.82%
Q3 202414.23%
Q4 202414.52%
Q1 202514.31%
Q2 202514.90%
Q3 202514.95%
Q4 202514.57%
Q1 202614.55%
Q2 202614.40%
Delinquent loans (60+ days)
0.24%0.55%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20240.87%
Q4 20240.28%
Q1 20250.62%
Q2 20250.60%
Q3 20250.67%
Q4 20250.50%
Q1 20260.51%
Q2 20260.48%
Return on assets
1.11%1.56%2.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.40%
Q3 20241.47%
Q4 20241.36%
Q1 20251.41%
Q2 20251.59%
Q3 20251.59%
Q4 20251.11%
Q1 20262.01%
Q2 20261.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$52.3M14.40%0.48%1.84%67.6%
Q1 202693$50.2M14.55%0.51%2.01%68.2%
Q4 202586$48.4M14.57%0.50%1.11%69.9%
Q3 202589$47.3M14.95%0.67%1.59%71.3%
Q2 202589$46.2M14.90%0.60%1.59%71.2%
Q1 202586$46.6M14.31%0.62%1.41%70.2%
Q4 202489$44.8M14.52%0.28%1.36%72.0%
Q3 202483$44.9M14.23%0.87%1.47%73.4%
Q2 202488$45.0M13.82%0.24%1.40%68.9%

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 ratio14.40%
50th
Problem loans0.48%
59th
Net charge-offs-0.19%
96th
Return on assets1.84%
92nd
Loans to deposits67.6%
37th
Uninsured deposits11.4%
5th
Loan-loss reserves0.00%
37th
Texas ratio1.9%
53rd

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Deposit insurance

Is my money safe at Central Jersey Police & Fire Federal Credit Union?

Yes. Central Jersey Police & Fire Federal Credit Union is a federally insured credit union (NCUA charter #3202). 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 11.4% of shares and deposits ($5.1M) 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 14.40%, well 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

Central Jersey Police & Fire Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Central Jersey Police & Fire Federal Credit Union
Type
Federal credit union
NCUA charter #
3202
RSSD ID
550073
Primary regulator
NCUA
Established
1939
Headquarters
2430 Hamilton Ave, Hamilton, NJ 08619
Employees
7

Quick answers

Central Jersey Police & Fire Federal Credit Union: common questions

Is Central Jersey Police & Fire Federal Credit Union NCUA insured?

Yes. Central Jersey Police & Fire Federal Credit Union is a federally insured credit union (NCUA charter #3202). 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 Police & Fire Federal Credit Union's TellerScore?

91 out of 100 (Very 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 Central Jersey Police & Fire Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Healthcare Employees Federal Credit UnionCredit union Princeton, NJ86 out of 100, Very strong$137.2M13.6%0.62%vs