TellerScore

Erie Lackawanna Railroad Co Emp Federal Credit Union (NCUA charter #4158) is based in Hoboken, New Jersey. Its Q2 2026 call report shows $11.9M in total assets and $8.9M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Erie Lackawanna Railroad Co Emp Federal Credit Union scores 83/100, which we describe as strong. That is higher than 72% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 18th. Its strongest component is capital cushion (100/100; 25.36%), and its lowest is earnings (41/100; 0.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 25.36%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.64%
Earnings41/100
Return on assets (annualized): 0.53%
Funding & liquidity100/100
Loans ÷ shares: 36.0% · 3.3% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.68%

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 9 points (74 → 83), mostly because the loan quality component improved by 31 points.

TellerScore
747983Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202483
Q4 202476
Q1 202580
Q2 202574
Q3 202575
Q4 202577
Q1 202681
Q2 202683
Net worth ratio
7.00%16.75%26.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202426.01%
Q3 202426.45%
Q4 202426.49%
Q1 202525.75%
Q2 202525.74%
Q3 202525.98%
Q4 202525.73%
Q1 202625.03%
Q2 202625.36%
Delinquent loans (60+ days)
0.64%1.16%1.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.26%
Q3 20240.88%
Q4 20241.67%
Q1 20250.93%
Q2 20251.56%
Q3 20251.53%
Q4 20251.20%
Q1 20260.90%
Q2 20260.64%
Return on assets
0.42%0.63%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.83%
Q4 20240.81%
Q1 20250.46%
Q2 20250.42%
Q3 20250.45%
Q4 20250.46%
Q1 20260.60%
Q2 20260.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$11.9M25.36%0.64%0.53%36.0%
Q1 202681$12.0M25.03%0.90%0.60%33.6%
Q4 202577$11.6M25.73%1.20%0.46%34.8%
Q3 202575$11.5M25.98%1.53%0.45%34.8%
Q2 202574$11.5M25.74%1.56%0.42%35.9%
Q1 202580$11.5M25.75%0.93%0.46%34.7%
Q4 202476$11.1M26.49%1.67%0.81%38.6%
Q3 202483$11.1M26.45%0.88%0.83%40.4%
Q2 202479$11.2M26.01%1.26%0.76%41.8%

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 ratio25.36%
89th
Problem loans0.64%
52nd
Net charge-offs0.76%
19th
Return on assets0.53%
44th
Loans to deposits36.0%
83rd
Uninsured deposits3.3%
34th
Loan-loss reserves0.00%
37th
Texas ratio0.7%
72nd

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Goya Foods Employees Federal Credit UnionCredit union Jersey City, NJ86 out of 100, Very strong$11.2M22.4%0.86%vs
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Deposit insurance

Is my money safe at Erie Lackawanna Railroad Co Emp Federal Credit Union?

Yes. Erie Lackawanna Railroad Co Emp Federal Credit Union is a federally insured credit union (NCUA charter #4158). 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 ($290K) 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 25.36%, well 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

Erie Lackawanna Railroad Co Emp Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Erie Lackawanna Railroad Co Emp Federal Credit Union
Type
Federal credit union
NCUA charter #
4158
RSSD ID
464273
Primary regulator
NCUA
Established
1940
Headquarters
89 Washington Street, 3rd Floor, Hoboken, NJ 07030
Employees
3

Quick answers

Erie Lackawanna Railroad Co Emp Federal Credit Union: common questions

Is Erie Lackawanna Railroad Co Emp Federal Credit Union NCUA insured?

Yes. Erie Lackawanna Railroad Co Emp Federal Credit Union is a federally insured credit union (NCUA charter #4158). 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 Erie Lackawanna Railroad Co Emp Federal Credit Union's TellerScore?

83 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 Erie Lackawanna Railroad Co Emp Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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