Community Financial Services Federal Credit Union is a federal credit union headquartered in Roselle, New Jersey, in business for about 77 years. At the end of Q2 2026 it reported $30.6M in total assets and $27.0M in member shares and deposits, with 1 office.
Community Financial Services Federal Credit Union has a TellerScore of 46 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 116th. Funding & liquidity contributes the most (100/100, 37% loans-to-deposits, 2% uninsured); earnings contributes the least (0/100, -0.74%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (46 → 46).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 45 |
| Q3 2024 | 49 |
| Q4 2024 | 45 |
| Q1 2025 | 44 |
| Q2 2025 | 46 |
| Q3 2025 | 46 |
| Q4 2025 | 49 |
| Q1 2026 | 45 |
| Q2 2026 | 46 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.98% |
| Q3 2024 | 14.20% |
| Q4 2024 | 14.15% |
| Q1 2025 | 13.37% |
| Q2 2025 | 13.77% |
| Q3 2025 | 14.02% |
| Q4 2025 | 13.71% |
| Q1 2026 | 13.14% |
| Q2 2026 | 13.44% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 12.44% |
| Q3 2024 | 11.73% |
| Q4 2024 | 13.43% |
| Q1 2025 | 13.87% |
| Q2 2025 | 13.61% |
| Q3 2025 | 14.08% |
| Q4 2025 | 2.63% |
| Q1 2026 | 2.95% |
| Q2 2026 | 2.88% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.15% |
| Q3 2024 | -0.09% |
| Q4 2024 | -0.42% |
| Q1 2025 | -0.29% |
| Q2 2025 | -0.22% |
| Q3 2025 | -0.28% |
| Q4 2025 | -0.77% |
| Q1 2026 | -0.89% |
| Q2 2026 | -0.74% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 46 | $30.6M | 13.44% | 2.88% | -0.74% | 37.4% |
| Q1 2026 | 45 | $31.7M | 13.14% | 2.95% | -0.89% | 36.1% |
| Q4 2025 | 49 | $30.9M | 13.71% | 2.63% | -0.77% | 39.0% |
| Q3 2025 | 46 | $31.4M | 14.02% | 14.08% | -0.28% | 44.8% |
| Q2 2025 | 46 | $32.2M | 13.77% | 13.61% | -0.22% | 44.1% |
| Q1 2025 | 44 | $33.3M | 13.37% | 13.87% | -0.29% | 42.5% |
| Q4 2024 | 45 | $31.6M | 14.15% | 13.43% | -0.42% | 45.9% |
| Q3 2024 | 49 | $32.3M | 14.20% | 11.73% | -0.09% | 45.1% |
| Q2 2024 | 45 | $35.2M | 12.98% | 12.44% | -0.15% | 41.4% |
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 |
|---|---|---|---|---|---|
| Manville Area Federal Credit UnionCredit union Manville, NJ | 77 out of 100, Strong | $29.8M | 11.9% | 0.00% | vs |
| Atlantic Health Employees Federal Credit UnionCredit union Summit, NJ | 43 out of 100, Below average | $27.9M | 10.7% | 4.85% | vs |
| NJ Gateway Federal Credit UnionCredit union Dayton, NJ | 74 out of 100, Strong | $27.7M | 10.0% | 0.01% | vs |
| Harrison Police & Firemen'S Federal Credit UnionCredit union Harrison, NJ | 81 out of 100, Strong | $27.7M | 15.0% | 0.92% | vs |
| Vah Lyons Employees Federal Credit UnionCredit union Lyons, NJ | 72 out of 100, Strong | $26.6M | 17.6% | 1.25% | vs |
| Postal Employees Credit UnionCredit union Yardville, NJ | 72 out of 100, Strong | $35.7M | 15.3% | 0.87% | vs |
Deposit insurance
Is my money safe at Community Financial Services Federal Credit Union?
Yes. Community Financial Services Federal Credit Union is a federally insured credit union (NCUA charter #6179). 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 2.4% of shares and deposits ($662K) 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 13.44%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Community Financial Services Federal Credit Union lists 1 office in 1 city. Most locations:
- Roselle, NJ (1)
Identity & history
Profile
- Legal name
- Community Financial Services Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 6179
- RSSD ID
- 1007985
- Primary regulator
- NCUA
- Established
- 1949
- Headquarters
- 149 St. George Ave., Roselle, NJ 07203
- Employees
- 9
Quick answers
Community Financial Services Federal Credit Union: common questions
Is Community Financial Services Federal Credit Union NCUA insured?
Yes. Community Financial Services Federal Credit Union is a federally insured credit union (NCUA charter #6179). 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 Community Financial Services Federal Credit Union's TellerScore?
46 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 Community Financial Services Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Roselle
| 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 |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| Division 819 Transit Employees Credit UnionCredit union Irvington, NJ | 88 out of 100, Very strong | $16.7M | 17.9% | 1.02% | vs |
| Local 1233 Federal Credit UnionCredit union Newark, NJ | 88 out of 100, Very strong | $14.1M | 17.9% | 0.27% | vs |