Headquartered in Clifton, New Jersey, Clifton NJ Postal Employees Federal Credit Union is a federal credit union with $2.1M in total assets and $1.2M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1935.
Based on its Q2 2026 filing, Clifton NJ Postal Employees Federal Credit Union scores 59/100, which we describe as moderate. That is higher than only 20% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 94th. Its strongest component is capital cushion (100/100; 52.17%), and its lowest is loan quality (0/100; 6.71%).
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 rose 5 points (54 → 59), mostly because the earnings component improved by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 59 |
| Q4 2024 | 58 |
| Q1 2025 | 67 |
| Q2 2025 | 54 |
| Q3 2025 | 65 |
| Q4 2025 | 74 |
| Q1 2026 | 57 |
| Q2 2026 | 59 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 48.99% |
| Q3 2024 | 48.01% |
| Q4 2024 | 50.22% |
| Q1 2025 | 50.86% |
| Q2 2025 | 51.35% |
| Q3 2025 | 51.07% |
| Q4 2025 | 52.41% |
| Q1 2026 | 52.06% |
| Q2 2026 | 52.17% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.30% |
| Q3 2024 | 7.53% |
| Q4 2024 | 7.00% |
| Q1 2025 | 1.49% |
| Q2 2025 | 8.05% |
| Q3 2025 | 1.73% |
| Q4 2025 | 0.76% |
| Q1 2026 | 7.18% |
| Q2 2026 | 6.71% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.02% |
| Q4 2024 | -0.07% |
| Q1 2025 | -0.55% |
| Q2 2025 | -0.58% |
| Q3 2025 | -0.52% |
| Q4 2025 | -0.50% |
| Q1 2026 | -0.19% |
| Q2 2026 | 0.10% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $2.1M | 52.17% | 6.71% | 0.10% | 32.2% |
| Q1 2026 | 57 | $2.1M | 52.06% | 7.18% | -0.19% | 34.4% |
| Q4 2025 | 74 | $2.1M | 52.41% | 0.76% | -0.50% | 40.4% |
| Q3 2025 | 65 | $2.2M | 51.07% | 1.73% | -0.52% | 30.7% |
| Q2 2025 | 54 | $2.2M | 51.35% | 8.05% | -0.58% | 32.7% |
| Q1 2025 | 67 | $2.2M | 50.86% | 1.49% | -0.55% | 35.8% |
| Q4 2024 | 58 | $2.2M | 50.22% | 7.00% | -0.07% | 38.7% |
| Q3 2024 | 59 | $2.3M | 48.01% | 7.53% | 0.02% | 36.0% |
| Q2 2024 | 74 | $2.3M | 48.99% | 1.30% | 0.07% | 39.5% |
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 |
|---|---|---|---|---|---|
| Atlantic City Police Federal Credit UnionCredit union Northfield, NJ | 78 out of 100, Strong | $2.1M | 21.2% | 2.02% | vs |
| Newark Post Office Employees Credit UnionCredit union Newark, NJ | 66 out of 100, Moderate | $2.0M | 33.2% | 1.69% | vs |
| Trenton Teachers Federal Credit UnionCredit union Trenton, NJ | 71 out of 100, Strong | $1.9M | 22.4% | 13.59% | 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 |
| Elizabeth Police Department E Federal Credit UnionCredit union Elizabeth, NJ | 47 out of 100, Below average | $1.7M | 50.3% | 9.47% | vs |
| Ocean County Employees Federal Credit UnionCredit union Toms River, NJ | 97 out of 100, Very strong | $1.4M | 20.0% | 0.33% | vs |
Deposit insurance
Is my money safe at Clifton NJ Postal Employees Federal Credit Union?
Yes. Clifton NJ Postal Employees Federal Credit Union is a federally insured credit union (NCUA charter #277). 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 52.17%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Clifton NJ Postal Employees Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:
- Amherst, NY (1)
- Clifton, NJ (1)
Identity & history
Profile
- Legal name
- Clifton NJ Postal Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 277
- RSSD ID
- 560670
- Primary regulator
- NCUA
- Established
- 1935
- Headquarters
- PO Box 2033, Clifton, NJ 07015
- Employees
- 2
Quick answers
Clifton NJ Postal Employees Federal Credit Union: common questions
Is Clifton NJ Postal Employees Federal Credit Union NCUA insured?
Yes. Clifton NJ Postal Employees Federal Credit Union is a federally insured credit union (NCUA charter #277). 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 Clifton NJ Postal Employees Federal Credit Union's TellerScore?
59 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 Clifton NJ Postal Employees Federal Credit Union have?
2 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Clifton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |