TellerScore

Headquartered in Parsippany, New Jersey, Gaf Linden Employees Federal Credit Union is a federal credit union with $3.9M in total assets and $3.2M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1937.

Gaf Linden Employees Federal Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 65% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 23rd. Capital cushion contributes the most (100/100, 18.08%); earnings contributes the least (0/100, -3.93%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.08%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings0/100
Return on assets (annualized): -3.93%
Funding & liquidity100/100
Loans ÷ shares: 28.5% · 0.0% 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

From Q2 2025 to Q2 2026, the score rose 24 points (56 → 80), mostly because the loan quality component improved by 100 points.

TellerScore
556880Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202470
Q4 202459
Q1 202555
Q2 202556
Q3 202555
Q4 202556
Q1 202680
Q2 202680
Net worth ratio
7.00%12.54%18.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.56%
Q3 202414.69%
Q4 202415.43%
Q1 202515.94%
Q2 202516.51%
Q3 202517.33%
Q4 202517.82%
Q1 202616.80%
Q2 202618.08%
Delinquent loans (60+ days)
0.00%3.72%7.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.85%
Q3 20241.72%
Q4 20246.38%
Q1 20255.05%
Q2 20257.10%
Q3 20257.44%
Q4 20257.33%
Q1 20260.00%
Q2 20260.00%
Return on assets
-7.06%-3.43%0.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.17%
Q3 20240.16%
Q4 20240.19%
Q1 2025-0.29%
Q2 2025-0.15%
Q3 2025-0.19%
Q4 2025-0.14%
Q1 2026-7.06%
Q2 2026-3.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$3.9M18.08%0.00%-3.93%28.5%
Q1 202680$4.2M16.80%0.00%-7.06%26.5%
Q4 202556$4.4M17.82%7.33%-0.14%29.9%
Q3 202555$4.5M17.33%7.44%-0.19%29.4%
Q2 202556$4.7M16.51%7.10%-0.15%29.2%
Q1 202555$4.9M15.94%5.05%-0.29%27.8%
Q4 202459$5.1M15.43%6.38%0.19%27.3%
Q3 202470$5.3M14.69%1.72%0.16%28.7%
Q2 202468$5.4M14.56%1.85%0.17%27.5%

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 ratio18.08%
70th
Problem loans0.00%
94th
Net charge-offs17.26%
0th
Return on assets-3.93%
2nd
Loans to deposits28.5%
90th
Uninsured deposits0.0%
81st
Loan-loss reserves1.69%
88th
Texas ratio0.0%
93rd

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Bayonne City Employees Federal Credit UnionCredit union Bayonne, NJ79 out of 100, Strong$3.9M28.6%0.31%vs
Metrex Federal Credit UnionCredit union Kenilworth, NJ62 out of 100, Moderate$3.6M36.2%2.33%vs
Trenton NJ Firemen Federal Credit UnionCredit union Trenton, NJ85 out of 100, Very strong$4.4M18.2%0.52%vs
New Community Federal Credit UnionCredit union Newark, NJ81 out of 100, Strong$3.1M13.3%0.00%vs
N. J. Latvian Federal Credit UnionCredit union Freehold, NJ66 out of 100, Moderate$4.7M16.4%1.76%vs
Paterson Police Federal Credit UnionCredit union Paterson, NJ66 out of 100, Moderate$4.7M19.9%2.44%vs

Deposit insurance

Is my money safe at Gaf Linden Employees Federal Credit Union?

Yes. Gaf Linden Employees Federal Credit Union is a federally insured credit union (NCUA charter #2348). 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 0.0% of shares and deposits ($0) 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 18.08%, 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

Gaf Linden Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Gaf Linden Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
2348
RSSD ID
305273
Primary regulator
NCUA
Established
1937
Headquarters
1 Campus Dr, Parsippany, NJ 07054
Employees
1

Quick answers

Gaf Linden Employees Federal Credit Union: common questions

Is Gaf Linden Employees Federal Credit Union NCUA insured?

Yes. Gaf Linden Employees Federal Credit Union is a federally insured credit union (NCUA charter #2348). 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 Gaf Linden Employees 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 Gaf Linden Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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