TellerScore

Headquartered in Rancocas, New Jersey, Edifi Federal Credit Union is a federal credit union with $262.4M in total assets and $246.8M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1958.

Edifi Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 76th. Funding & liquidity contributes the most (100/100, 54% loans-to-deposits, 2% uninsured); earnings contributes the least (42/100, 0.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.27%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.72%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity100/100
Loans ÷ shares: 53.9% · 1.9% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.92%

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 5 points (60 → 65), mostly because the earnings component improved by 17 points.

TellerScore
586469Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202461
Q4 202459
Q1 202562
Q2 202560
Q3 202568
Q4 202569
Q1 202662
Q2 202665
Net worth ratio
7.00%8.16%9.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.82%
Q3 20249.18%
Q4 20248.84%
Q1 20258.70%
Q2 20258.61%
Q3 20259.19%
Q4 20259.31%
Q1 20269.14%
Q2 20269.27%
Delinquent loans (60+ days)
0.23%0.48%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.63%
Q3 20240.51%
Q4 20240.25%
Q1 20250.23%
Q2 20250.56%
Q3 20250.43%
Q4 20250.35%
Q1 20260.51%
Q2 20260.72%
Return on assets
-2.70%-1.00%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.14%
Q3 2024-0.16%
Q4 2024-2.70%
Q1 2025-0.08%
Q2 20250.13%
Q3 20250.71%
Q4 20250.68%
Q1 20260.05%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$262.4M9.27%0.72%0.55%53.9%
Q1 202662$258.7M9.14%0.51%0.05%53.4%
Q4 202569$253.7M9.31%0.35%0.68%55.1%
Q3 202568$252.8M9.19%0.43%0.71%55.8%
Q2 202560$256.0M8.61%0.56%0.13%53.9%
Q1 202562$251.1M8.70%0.23%-0.08%54.4%
Q4 202459$247.6M8.84%0.25%-2.70%56.0%
Q3 202461$239.9M9.18%0.51%-0.16%58.7%
Q2 202458$251.1M8.82%0.63%-0.14%54.7%

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 ratio9.27%
16th
Problem loans0.72%
48th
Net charge-offs0.39%
46th
Return on assets0.55%
35th
Loans to deposits53.9%
86th
Uninsured deposits1.9%
91st
Loan-loss reserves0.00%
50th
Texas ratio3.9%
52nd

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
North Jersey Federal Credit UnionCredit union Totowa, NJ66 out of 100, Moderate$255.6M10.5%0.89%vs
Greater Alliance Federal Credit UnionCredit union Paramus, NJ48 out of 100, Below average$247.6M8.8%1.58%vs
Jersey Shore Federal Credit UnionCredit union Northfield, NJ73 out of 100, Strong$246.3M9.8%0.29%vs
The Atlantic Federal Credit UnionCredit union Kenilworth, NJ45 out of 100, Below average$235.1M13.6%3.51%vs
United Teletech Financial Federal Credit UnionCredit union Tinton Falls, NJ54 out of 100, Below average$327.7M9.0%0.84%vs
First Atlantic Federal Credit UnionCredit union Eatontown, NJ86 out of 100, Very strong$332.2M13.8%0.79%vs

Deposit insurance

Is my money safe at Edifi Federal Credit Union?

Yes. Edifi Federal Credit Union is a federally insured credit union (NCUA charter #12679). 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 1.9% of shares and deposits ($4.6M) 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 9.27%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Edifi Federal Credit Union lists 6 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Edifi Federal Credit Union
Type
Federal credit union
NCUA charter #
12679
RSSD ID
151881
Primary regulator
NCUA
Established
1958
Headquarters
P.O. Box 247, Rancocas, NJ 08073
Employees
70

Quick answers

Edifi Federal Credit Union: common questions

Is Edifi Federal Credit Union NCUA insured?

Yes. Edifi Federal Credit Union is a federally insured credit union (NCUA charter #12679). 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 Edifi Federal Credit Union's TellerScore?

65 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 Edifi Federal Credit Union have?

6 offices as of the latest NCUA data.