TellerScore

Headquartered in Roselle Park, New Jersey, County Excellence Federal Credit Union is a federal credit union with $137.9M in total assets and $126.5M in member shares and deposits as of Q2 2026. Its charter dates back to 1935.

County Excellence Federal Credit Union has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 14% of its 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 96th. Funding & liquidity contributes the most (100/100, 57% loans-to-deposits, 4% uninsured); capital cushion contributes the least (34/100, 8.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Net worth ratio: 8.45%
Loan quality54/100
Loans 60+ days delinquent ÷ total loans: 1.37%
Earnings50/100
Return on assets (annualized): 0.74%
Funding & liquidity100/100
Loans ÷ shares: 57.2% · 4.1% uninsured
Problem-loan coverage80/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.00%

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 fell 3 points (60 → 57), mostly because the loan quality component weakened by 16 points.

TellerScore
566165Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202465
Q4 202456
Q1 202559
Q2 202560
Q3 202558
Q4 202556
Q1 202659
Q2 202657
Net worth ratio
7.00%7.99%8.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.68%
Q3 20248.98%
Q4 20248.60%
Q1 20258.48%
Q2 20258.56%
Q3 20258.90%
Q4 20258.63%
Q1 20268.52%
Q2 20268.45%
Delinquent loans (60+ days)
0.35%0.86%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.64%
Q3 20240.35%
Q4 20241.11%
Q1 20250.93%
Q2 20250.90%
Q3 20251.26%
Q4 20251.34%
Q1 20261.24%
Q2 20261.37%
Return on assets
0.22%0.52%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.25%
Q4 20240.22%
Q1 20250.48%
Q2 20250.51%
Q3 20250.55%
Q4 20250.50%
Q1 20260.83%
Q2 20260.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$137.9M8.45%1.37%0.74%57.2%
Q1 202659$134.0M8.52%1.24%0.83%58.2%
Q4 202556$129.1M8.63%1.34%0.50%58.7%
Q3 202558$123.6M8.90%1.26%0.55%59.1%
Q2 202560$126.4M8.56%0.90%0.51%52.3%
Q1 202559$125.5M8.48%0.93%0.48%46.9%
Q4 202456$122.0M8.60%1.11%0.22%45.3%
Q3 202465$116.4M8.98%0.35%0.25%45.0%
Q2 202462$120.5M8.68%0.64%0.38%42.6%

1,341 peers · $100 million – $1 billion

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 ratio8.45%
7th
Problem loans1.37%
17th
Net charge-offs0.78%
17th
Return on assets0.74%
50th
Loans to deposits57.2%
82nd
Uninsured deposits4.1%
70th
Loan-loss reserves0.00%
50th
Texas ratio10.0%
13th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Campbell Federal Credit UnionCredit union Maple Shade, NJ69 out of 100, Moderate$138.6M14.3%1.36%vs
Healthcare Employees Federal Credit UnionCredit union Princeton, NJ86 out of 100, Very strong$137.2M13.6%0.62%vs
Liberty Savings Federal Credit UnionCredit union Jersey City, NJ54 out of 100, Below average$135.1M11.7%2.09%vs
Members 1st of NJ Federal Credit UnionCredit union Vineland, NJ67 out of 100, Moderate$134.2M9.6%0.65%vs
Nova Ua Federal Credit UnionCredit union Clifton, NJ79 out of 100, Strong$156.4M13.8%0.17%vs
Deepwater Industries Federal Credit UnionCredit union Deepwater, NJ77 out of 100, Strong$113.6M11.2%1.00%vs

Deposit insurance

Is my money safe at County Excellence Federal Credit Union?

Yes. County Excellence Federal Credit Union is a federally insured credit union (NCUA charter #120). 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 4.1% of shares and deposits ($5.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.45%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
County Excellence Federal Credit Union
Type
Federal credit union
NCUA charter #
120
RSSD ID
72874
Primary regulator
NCUA
Established
1935
Headquarters
16 E Lincoln Ave, Roselle Park, NJ 07204
Employees
20

Quick answers

County Excellence Federal Credit Union: common questions

Is County Excellence Federal Credit Union NCUA insured?

Yes. County Excellence Federal Credit Union is a federally insured credit union (NCUA charter #120). 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 County Excellence Federal Credit Union's TellerScore?

57 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.