TellerScore

Elizabeth (N.J.) Firemen'S Federal Credit Union is a federal credit union headquartered in Elizabeth, New Jersey, in business for about 90 years. At the end of Q2 2026 it reported $7.1M in total assets and $6.2M in member shares and deposits.

Based on its Q2 2026 filing, Elizabeth (N.J.) Firemen'S Federal Credit Union scores 64/100, which we describe as moderate. That is higher than only 28% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 82nd. Its strongest component is funding & liquidity (100/100; 32% loans-to-deposits, 2% uninsured), and its lowest is earnings (25/100; 0.12%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.58%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.16%
Earnings25/100
Return on assets (annualized): 0.12%
Funding & liquidity100/100
Loans ÷ shares: 32.3% · 2.1% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.85%

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 (67 → 64), mostly because the earnings component weakened by 15 points.

TellerScore
556167Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202456
Q4 202457
Q1 202566
Q2 202567
Q3 202566
Q4 202566
Q1 202663
Q2 202664
Net worth ratio
7.00%9.29%11.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.16%
Q3 202410.37%
Q4 202410.46%
Q1 202510.63%
Q2 202510.80%
Q3 202510.95%
Q4 202511.53%
Q1 202611.38%
Q2 202611.58%
Delinquent loans (60+ days)
0.99%1.16%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.17%
Q3 20241.12%
Q4 20241.08%
Q1 20251.03%
Q2 20250.99%
Q3 20251.10%
Q4 20251.32%
Q1 20261.27%
Q2 20261.16%
Return on assets
-2.58%-1.03%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-2.58%
Q3 2024-1.44%
Q4 2024-0.87%
Q1 20250.51%
Q2 20250.49%
Q3 20250.43%
Q4 20250.51%
Q1 20260.07%
Q2 20260.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$7.1M11.58%1.16%0.12%32.3%
Q1 202663$7.2M11.38%1.27%0.07%33.3%
Q4 202566$7.1M11.53%1.32%0.51%35.1%
Q3 202566$7.3M10.95%1.10%0.43%37.9%
Q2 202567$7.4M10.80%0.99%0.49%38.1%
Q1 202566$7.4M10.63%1.03%0.51%39.7%
Q4 202457$7.4M10.46%1.08%-0.87%40.7%
Q3 202456$7.4M10.37%1.12%-1.44%42.9%
Q2 202455$7.4M10.16%1.17%-2.58%44.5%

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).

Capital ratio11.58%
28th
Problem loans1.16%
35th
Net charge-offs-0.00%
87th
Return on assets0.12%
24th
Loans to deposits32.3%
86th
Uninsured deposits2.1%
44th
Loan-loss reserves0.00%
37th
Texas ratio2.9%
44th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Ocnac #1 Federal Credit UnionCredit union Jersey City, NJ68 out of 100, Moderate$7.1M12.4%2.02%vs
Public Service H C Employees Federal Credit UnionCredit union Brick, NJ74 out of 100, Strong$7.1M39.5%1.89%vs
Linden NJ Police & Firemen Federal Credit UnionCredit union Linden, NJ86 out of 100, Very strong$6.9M32.2%0.60%vs
New Jersey State Pba Federal Credit UnionCredit union Woodbridge, NJ71 out of 100, Strong$7.2M15.5%0.41%vs
Union County Employees Federal Credit UnionCredit union Elizabeth, NJ72 out of 100, Strong$6.9M22.6%2.01%vs
Fort Dix Federal Credit UnionCredit union Joint Base MDL, NJ46 out of 100, Below average$7.3M10.7%4.54%vs

Deposit insurance

Is my money safe at Elizabeth (N.J.) Firemen'S Federal Credit Union?

Yes. Elizabeth (N.J.) Firemen'S Federal Credit Union is a federally insured credit union (NCUA charter #916). 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 2.1% of shares and deposits ($130K) 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 11.58%, 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
Elizabeth (N.J.) Firemen'S Federal Credit Union
Type
Federal credit union
NCUA charter #
916
RSSD ID
698377
Primary regulator
NCUA
Established
1936
Headquarters
411 Irvington Ave, Elizabeth, NJ 07208
Employees
4

Quick answers

Elizabeth (N.J.) Firemen'S Federal Credit Union: common questions

Is Elizabeth (N.J.) Firemen'S Federal Credit Union NCUA insured?

Yes. Elizabeth (N.J.) Firemen'S Federal Credit Union is a federally insured credit union (NCUA charter #916). 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 Elizabeth (N.J.) Firemen'S Federal Credit Union's TellerScore?

64 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.