TellerScore

Headquartered in Medford, New Jersey, Energy People Federal Credit Union is a federal credit union with $18.1M in total assets and $14.7M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1960.

Based on its Q2 2026 filing, Energy People Federal Credit Union scores 80/100, which we describe as strong. That is higher than 65% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 22nd. Its strongest component is capital cushion (100/100; 18.48%), and its lowest is earnings (25/100; 0.14%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.48%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings25/100
Return on assets (annualized): 0.14%
Funding & liquidity66/100
Loans ÷ shares: 93.8% · 3.3% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 80).

TellerScore
777980Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202479
Q4 202479
Q1 202579
Q2 202579
Q3 202579
Q4 202577
Q1 202679
Q2 202680
Net worth ratio
7.00%12.74%18.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.68%
Q3 202417.59%
Q4 202417.72%
Q1 202517.94%
Q2 202517.83%
Q3 202518.18%
Q4 202518.09%
Q1 202618.39%
Q2 202618.48%
Delinquent loans (60+ days)
0.00%0.16%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.02%
Q3 20240.04%
Q4 20240.00%
Q1 20250.00%
Q2 20250.01%
Q3 20250.09%
Q4 20250.32%
Q1 20260.09%
Q2 20260.00%
Return on assets
0.13%0.17%0.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.17%
Q3 20240.14%
Q4 20240.15%
Q1 20250.18%
Q2 20250.13%
Q3 20250.16%
Q4 20250.16%
Q1 20260.21%
Q2 20260.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$18.1M18.48%0.00%0.14%93.8%
Q1 202679$18.2M18.39%0.09%0.21%97.3%
Q4 202577$18.4M18.09%0.32%0.16%96.0%
Q3 202579$18.3M18.18%0.09%0.16%98.2%
Q2 202579$18.6M17.83%0.01%0.13%99.0%
Q1 202579$18.5M17.94%0.00%0.18%100.8%
Q4 202479$18.6M17.72%0.00%0.15%99.7%
Q3 202479$18.7M17.59%0.04%0.14%99.5%
Q2 202479$18.6M17.68%0.02%0.17%101.6%

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 ratio18.48%
71st
Problem loans0.00%
94th
Net charge-offs0.25%
43rd
Return on assets0.14%
25th
Loans to deposits93.8%
6th
Uninsured deposits3.3%
33rd
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

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Deposit insurance

Is my money safe at Energy People Federal Credit Union?

Yes. Energy People Federal Credit Union is a federally insured credit union (NCUA charter #13729). 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 3.3% of shares and deposits ($494K) 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 18.48%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Energy People Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Energy People Federal Credit Union
Type
Federal credit union
NCUA charter #
13729
RSSD ID
168487
Primary regulator
NCUA
Established
1960
Headquarters
Po Box 279, Medford, NJ 08055
Employees
6

Quick answers

Energy People Federal Credit Union: common questions

Is Energy People Federal Credit Union NCUA insured?

Yes. Energy People Federal Credit Union is a federally insured credit union (NCUA charter #13729). 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 Energy People Federal Credit Union's TellerScore?

80 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 Energy People Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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