TellerScore

Financial Resources Federal Credit Union (NCUA charter #6665) is based in Branchburg, New Jersey. Its Q2 2026 call report shows $659.0M in total assets and $589.6M in member shares and deposits and 8 offices.

Financial Resources Federal Credit Union has a TellerScore of 31 out of 100 (low) based on Q2 2026 data — higher than only 0% of its 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 124th. Funding & liquidity contributes the most (64/100, 88% loans-to-deposits, 22% uninsured); loan quality contributes the least (0/100, 3.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Net worth ratio: 8.86%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.35%
Earnings31/100
Return on assets (annualized): 0.28%
Funding & liquidity64/100
Loans ÷ shares: 88.2% · 22.2% uninsured
Problem-loan coverage39/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 30.64%

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 13 points (44 → 31), mostly because the loan quality component weakened by 26 points.

TellerScore
314048Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202442
Q3 202440
Q4 202448
Q1 202548
Q2 202544
Q3 202540
Q4 202538
Q1 202636
Q2 202631
Net worth ratio
7.00%8.27%9.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.82%
Q3 20248.83%
Q4 20248.98%
Q1 20259.15%
Q2 20259.23%
Q3 20259.54%
Q4 20259.31%
Q1 20269.09%
Q2 20268.86%
Delinquent loans (60+ days)
1.61%2.48%3.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.31%
Q3 20242.46%
Q4 20241.65%
Q1 20251.61%
Q2 20252.21%
Q3 20252.75%
Q4 20252.81%
Q1 20262.78%
Q2 20263.35%
Return on assets
0.13%0.38%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.56%
Q3 20240.51%
Q4 20240.41%
Q1 20250.25%
Q2 20250.63%
Q3 20250.60%
Q4 20250.35%
Q1 20260.13%
Q2 20260.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202631$659.0M8.86%3.35%0.28%88.2%
Q1 202636$634.2M9.09%2.78%0.13%85.1%
Q4 202538$617.6M9.31%2.81%0.35%85.8%
Q3 202540$608.7M9.54%2.75%0.60%90.5%
Q2 202544$620.3M9.23%2.21%0.63%93.2%
Q1 202548$608.8M9.15%1.61%0.25%89.4%
Q4 202448$616.2M8.98%1.65%0.41%93.1%
Q3 202440$624.6M8.83%2.46%0.51%90.2%
Q2 202442$618.0M8.82%2.31%0.56%91.2%

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 ratio8.86%
11th
Problem loans3.35%
1st
Net charge-offs0.55%
31st
Return on assets0.28%
15th
Loans to deposits88.2%
20th
Uninsured deposits22.2%
2nd
Loan-loss reserves0.00%
50th
Texas ratio30.6%
1st

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Credit Union of New Jersey, aCredit union Ewing, NJ72 out of 100, Strong$512.8M10.6%0.93%vs
Proponent Federal Credit UnionCredit union Nutley, NJ70 out of 100, Strong$508.8M14.5%1.22%vs
Garden Savings Federal Credit UnionCredit union Parsippany, NJ49 out of 100, Below average$495.5M8.4%1.29%vs
First Harvest Federal Credit UnionCredit union Deptford, NJ53 out of 100, Below average$484.5M8.0%0.96%vs
Picatinny Federal Credit UnionCredit union Dover, NJ65 out of 100, Moderate$459.1M9.4%0.70%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 Financial Resources Federal Credit Union?

Yes. Financial Resources Federal Credit Union is a federally insured credit union (NCUA charter #6665). 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 22.2% of shares and deposits ($130.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.86%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Financial Resources Federal Credit Union lists 8 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Financial Resources Federal Credit Union reported 189 home-loan applications under HMDA (LEI 549300US45HOXL30J494): 130 originated ($47,750,000 total), 43 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Financial Resources Federal Credit Union
Type
Federal credit union
NCUA charter #
6665
RSSD ID
870481
Primary regulator
NCUA
Established
1950
Headquarters
3040 US Highway 22 Bldg 2, Branchburg, NJ 08876
Employees
104

Quick answers

Financial Resources Federal Credit Union: common questions

Is Financial Resources Federal Credit Union NCUA insured?

Yes. Financial Resources Federal Credit Union is a federally insured credit union (NCUA charter #6665). 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 Financial Resources Federal Credit Union's TellerScore?

31 out of 100 (Low), 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 Financial Resources Federal Credit Union have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Branchburg

InstitutionScoreAssetsCapitalProblem loansCompare
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Rutgers Federal Credit UnionCredit union New Brunswick, NJ85 out of 100, Very strong$77.4M12.6%0.39%vs
Public Service Federal Credit UnionCredit union Middlesex, NJ84 out of 100, Strong$40.4M15.9%1.24%vs
Amboy BankBank Old Bridge, NJ80 out of 100, Strong$3.1B12.2%0.30%vs
B-M S Federal Credit UnionCredit union New Brunswick, NJ80 out of 100, Strong$81.7M21.1%0.54%vs