TellerScore

H. E. Telephone Federal Credit Union is a federal credit union headquartered in Rochelle Park, New Jersey, in business for about 60 years. At the end of Q2 2026 it reported $46.4M in total assets and $39.2M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, H. E. Telephone Federal Credit Union scores 73/100, which we describe as strong. That is higher than only 47% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 42nd. Its strongest component is capital cushion (100/100; 15.14%), and its lowest is earnings (27/100; 0.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.14%
Loan quality52/100
Loans 60+ days delinquent ÷ total loans: 1.45%
Earnings27/100
Return on assets (annualized): 0.17%
Funding & liquidity100/100
Loans ÷ shares: 56.6% · 8.0% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.60%

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 6 points (79 → 73), mostly because the loan quality component weakened by 25 points.

TellerScore
737883Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202475
Q4 202476
Q1 202583
Q2 202579
Q3 202577
Q4 202579
Q1 202675
Q2 202673
Net worth ratio
7.00%11.14%15.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.43%
Q3 202414.61%
Q4 202414.44%
Q1 202514.59%
Q2 202514.79%
Q3 202515.29%
Q4 202515.20%
Q1 202615.14%
Q2 202615.14%
Delinquent loans (60+ days)
0.28%0.87%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.56%
Q3 20241.04%
Q4 20240.85%
Q1 20250.28%
Q2 20250.68%
Q3 20250.83%
Q4 20250.67%
Q1 20260.98%
Q2 20261.45%
Return on assets
0.02%0.18%0.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.20%
Q3 20240.25%
Q4 20240.20%
Q1 20250.34%
Q2 20250.18%
Q3 20250.16%
Q4 20250.11%
Q1 20260.02%
Q2 20260.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$46.4M15.14%1.45%0.17%56.6%
Q1 202675$46.1M15.14%0.98%0.02%58.7%
Q4 202579$45.9M15.20%0.67%0.11%59.5%
Q3 202577$45.7M15.29%0.83%0.16%61.2%
Q2 202579$47.1M14.79%0.68%0.18%59.2%
Q1 202583$47.8M14.59%0.28%0.34%58.4%
Q4 202476$48.0M14.44%0.85%0.20%58.8%
Q3 202475$47.4M14.61%1.04%0.25%61.4%
Q2 202479$47.7M14.43%0.56%0.20%60.3%

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 ratio15.14%
55th
Problem loans1.45%
29th
Net charge-offs0.52%
26th
Return on assets0.17%
26th
Loans to deposits56.6%
53rd
Uninsured deposits8.0%
10th
Loan-loss reserves0.00%
37th
Texas ratio4.6%
31st

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Deposit insurance

Is my money safe at H. E. Telephone Federal Credit Union?

Yes. H. E. Telephone Federal Credit Union is a federally insured credit union (NCUA charter #17569). 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 8.0% of shares and deposits ($3.1M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.14%, 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

H. E. Telephone Federal Credit Union lists 1 office in 1 city. Most locations:

  • Rochelle Park, NJ (1)

All branch addresses and map

Identity & history

Profile

Legal name
H. E. Telephone Federal Credit Union
Type
Federal credit union
NCUA charter #
17569
RSSD ID
205887
Primary regulator
NCUA
Established
1966
Headquarters
201 W Passaic St Ste 304, Rochelle Park, NJ 07662
Employees
9

Quick answers

H. E. Telephone Federal Credit Union: common questions

Is H. E. Telephone Federal Credit Union NCUA insured?

Yes. H. E. Telephone Federal Credit Union is a federally insured credit union (NCUA charter #17569). 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 H. E. Telephone Federal Credit Union's TellerScore?

73 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 H. E. Telephone Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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