TellerScore

Goya Foods Employees Federal Credit Union is a federal credit union headquartered in Jersey City, New Jersey, in business for about 46 years. At the end of Q2 2026 it reported $11.2M in total assets and $8.7M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Goya Foods Employees Federal Credit Union scores 86/100, which we describe as very strong. That is higher than 80% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 11th. Its strongest component is capital cushion (100/100; 22.45%), and its lowest is earnings (69/100; 1.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 22.45%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.86%
Earnings69/100
Return on assets (annualized): 1.23%
Funding & liquidity100/100
Loans ÷ shares: 13.7% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.41%

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 3 points (83 → 86), mostly because the loan quality component improved by 15 points.

TellerScore
798795Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202486
Q4 202491
Q1 202589
Q2 202583
Q3 202579
Q4 202591
Q1 202695
Q2 202686
Net worth ratio
7.00%14.72%22.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.89%
Q3 202420.26%
Q4 202420.42%
Q1 202520.42%
Q2 202521.25%
Q3 202521.64%
Q4 202522.12%
Q1 202622.24%
Q2 202622.45%
Delinquent loans (60+ days)
0.00%0.83%1.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.74%
Q4 20240.00%
Q1 20250.00%
Q2 20251.33%
Q3 20251.65%
Q4 20250.00%
Q1 20260.04%
Q2 20260.86%
Return on assets
0.63%1.04%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.97%
Q3 20241.05%
Q4 20240.90%
Q1 20250.63%
Q2 20251.28%
Q3 20251.08%
Q4 20250.91%
Q1 20261.45%
Q2 20261.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$11.2M22.45%0.86%1.23%13.7%
Q1 202695$11.2M22.24%0.04%1.45%12.7%
Q4 202591$11.1M22.12%0.00%0.91%12.1%
Q3 202579$11.3M21.64%1.65%1.08%11.8%
Q2 202583$11.4M21.25%1.33%1.28%10.9%
Q1 202589$11.6M20.42%0.00%0.63%11.0%
Q4 202491$11.5M20.42%0.00%0.90%10.5%
Q3 202486$11.5M20.26%0.74%1.05%12.0%
Q2 202492$12.2M18.89%0.00%0.97%11.3%

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 ratio22.45%
84th
Problem loans0.86%
44th
Net charge-offs0.00%
77th
Return on assets1.23%
77th
Loans to deposits13.7%
97th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.4%
77th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
1st Bergen Federal Credit UnionCredit union Hackensack, NJ63 out of 100, Moderate$11.2M27.7%2.99%vs
Members Connect Federal Credit UnionCredit union Madison, NJ60 out of 100, Moderate$10.8M14.2%2.40%vs
Jersey City Firemen Federal Credit UnionCredit union Jersey City, NJ74 out of 100, Strong$11.7M46.7%1.65%vs
Peoples Transport Federal Credit UnionCredit union Mount Ephraim, NJ54 out of 100, Below average$11.8M10.0%1.45%vs
Erie Lackawanna Railroad Co Emp Federal Credit UnionCredit union Hoboken, NJ83 out of 100, Strong$11.9M25.4%0.64%vs
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs

Deposit insurance

Is my money safe at Goya Foods Employees Federal Credit Union?

Yes. Goya Foods Employees Federal Credit Union is a federally insured credit union (NCUA charter #23678). 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 22.45%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Goya Foods Employees Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Goya Foods Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
23678
RSSD ID
707493
Primary regulator
NCUA
Established
1980
Headquarters
350 County Road, Jersey City, NJ 07307

Quick answers

Goya Foods Employees Federal Credit Union: common questions

Is Goya Foods Employees Federal Credit Union NCUA insured?

Yes. Goya Foods Employees Federal Credit Union is a federally insured credit union (NCUA charter #23678). 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 Goya Foods Employees Federal Credit Union's TellerScore?

86 out of 100 (Very 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 Goya Foods Employees Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Jersey City

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Paul Quinn Federal Credit UnionCredit union Jamaica, NY93 out of 100, Very strong$358K26.1%0.00%vs
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs