TellerScore

Headquartered in Deepwater, New Jersey, Deepwater Industries Federal Credit Union is a federal credit union with $113.6M in total assets and $98.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1935.

Deepwater Industries Federal Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 71% of its 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 31st. Funding & liquidity contributes the most (100/100, 60% loans-to-deposits, 1% uninsured); capital cushion contributes the least (62/100, 11.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Net worth ratio: 11.16%
Loan quality67/100
Loans 60+ days delinquent ÷ total loans: 1.00%
Earnings87/100
Return on assets (annualized): 1.68%
Funding & liquidity100/100
Loans ÷ shares: 60.2% · 1.4% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.93%

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 6 points (71 → 77), mostly because the earnings component improved by 25 points.

TellerScore
637382Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202470
Q4 202467
Q1 202571
Q2 202571
Q3 202574
Q4 202575
Q1 202682
Q2 202677
Net worth ratio
7.00%9.08%11.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.43%
Q3 20249.74%
Q4 20249.53%
Q1 20259.52%
Q2 20259.96%
Q3 202510.24%
Q4 202510.56%
Q1 202610.80%
Q2 202611.16%
Delinquent loans (60+ days)
0.34%0.67%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.98%
Q3 20240.34%
Q4 20240.44%
Q1 20250.43%
Q2 20250.69%
Q3 20250.42%
Q4 20250.52%
Q1 20260.44%
Q2 20261.00%
Return on assets
0.49%1.15%1.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.61%
Q4 20240.49%
Q1 20250.90%
Q2 20251.04%
Q3 20250.97%
Q4 20251.10%
Q1 20261.81%
Q2 20261.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$113.6M11.16%1.00%1.68%60.2%
Q1 202682$113.2M10.80%0.44%1.81%54.2%
Q4 202575$111.0M10.56%0.52%1.10%55.4%
Q3 202574$110.3M10.24%0.42%0.97%55.4%
Q2 202571$111.2M9.96%0.69%1.04%54.1%
Q1 202571$112.8M9.52%0.43%0.90%52.8%
Q4 202467$110.1M9.53%0.44%0.49%54.4%
Q3 202470$107.2M9.74%0.34%0.61%55.5%
Q2 202463$109.6M9.43%0.98%0.71%53.5%

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 ratio11.16%
47th
Problem loans1.00%
30th
Net charge-offs0.15%
77th
Return on assets1.68%
93rd
Loans to deposits60.2%
77th
Uninsured deposits1.4%
93rd
Loan-loss reserves0.00%
50th
Texas ratio4.9%
40th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Seaport Federal Credit UnionCredit union Elizabeth, NJ75 out of 100, Strong$109.6M13.1%0.50%vs
Raritan Bay Federal Credit UnionCredit union Sayreville, NJ64 out of 100, Moderate$107.6M8.8%1.24%vs
Advanced Financial Federal Credit UnionCredit union New Providence, NJ72 out of 100, Strong$107.0M15.7%1.45%vs
Members 1st of NJ Federal Credit UnionCredit union Vineland, NJ67 out of 100, Moderate$134.2M9.6%0.65%vs
Liberty Savings Federal Credit UnionCredit union Jersey City, NJ54 out of 100, Below average$135.1M11.7%2.09%vs
Healthcare Employees Federal Credit UnionCredit union Princeton, NJ86 out of 100, Very strong$137.2M13.6%0.62%vs

Deposit insurance

Is my money safe at Deepwater Industries Federal Credit Union?

Yes. Deepwater Industries Federal Credit Union is a federally insured credit union (NCUA charter #430). 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 1.4% of shares and deposits ($1.4M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.16%, 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

Deepwater Industries Federal Credit Union lists 1 office in 1 city. Most locations:

  • Deepwater, NJ (1)

All branch addresses and map

Identity & history

Profile

Legal name
Deepwater Industries Federal Credit Union
Type
Federal credit union
NCUA charter #
430
RSSD ID
114671
Primary regulator
NCUA
Established
1935
Headquarters
PO Box 42, Deepwater, NJ 08023
Employees
17

Quick answers

Deepwater Industries Federal Credit Union: common questions

Is Deepwater Industries Federal Credit Union NCUA insured?

Yes. Deepwater Industries Federal Credit Union is a federally insured credit union (NCUA charter #430). 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 Deepwater Industries Federal Credit Union's TellerScore?

77 out of 100 (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 Deepwater Industries Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Deepwater

InstitutionScoreAssetsCapitalProblem loansCompare
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Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA94 out of 100, Very strong$71.6M25.3%0.69%vs
Applied BankBank Wilmington, DE93 out of 100, Very strong$274.1M17.5%0.00%vs
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