TellerScore

Harrison Police & Firemen'S Federal Credit Union is a federal credit union headquartered in Harrison, New Jersey, in business for about 76 years. At the end of Q2 2026 it reported $27.7M in total assets and $23.5M in member shares and deposits, with 1 office.

Harrison Police & Firemen'S Federal Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 19th. Capital cushion contributes the most (100/100, 15.01%); earnings contributes the least (49/100, 0.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.01%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.92%
Earnings49/100
Return on assets (annualized): 0.72%
Funding & liquidity100/100
Loans ÷ shares: 53.1% · 9.1% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.76%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (80 → 81).

TellerScore
808283Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202481
Q4 202483
Q1 202580
Q2 202580
Q3 202583
Q4 202582
Q1 202681
Q2 202681
Net worth ratio
7.00%11.69%16.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.37%
Q3 202416.29%
Q4 202415.68%
Q1 202515.61%
Q2 202515.14%
Q3 202514.85%
Q4 202514.67%
Q1 202614.93%
Q2 202615.01%
Delinquent loans (60+ days)
0.92%1.13%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.08%
Q3 20241.34%
Q4 20241.10%
Q1 20251.33%
Q2 20251.32%
Q3 20251.01%
Q4 20250.95%
Q1 20260.94%
Q2 20260.92%
Return on assets
0.71%0.97%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.08%
Q3 20241.22%
Q4 20241.09%
Q1 20251.04%
Q2 20251.01%
Q3 20250.99%
Q4 20250.93%
Q1 20260.71%
Q2 20260.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$27.7M15.01%0.92%0.72%53.1%
Q1 202681$27.5M14.93%0.94%0.71%53.1%
Q4 202582$27.7M14.67%0.95%0.93%53.2%
Q3 202583$27.0M14.85%1.01%0.99%52.7%
Q2 202580$26.0M15.14%1.32%1.01%54.2%
Q1 202580$24.8M15.61%1.33%1.04%57.8%
Q4 202483$24.3M15.68%1.10%1.09%60.3%
Q3 202481$23.0M16.29%1.34%1.22%62.8%
Q2 202482$22.4M16.37%1.08%1.08%65.4%

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 ratio15.01%
54th
Problem loans0.92%
42nd
Net charge-offs-0.02%
88th
Return on assets0.72%
54th
Loans to deposits53.1%
58th
Uninsured deposits9.1%
8th
Loan-loss reserves0.00%
37th
Texas ratio2.8%
44th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
NJ Gateway Federal Credit UnionCredit union Dayton, NJ74 out of 100, Strong$27.7M10.0%0.01%vs
Atlantic Health Employees Federal Credit UnionCredit union Summit, NJ43 out of 100, Below average$27.9M10.7%4.85%vs
Vah Lyons Employees Federal Credit UnionCredit union Lyons, NJ72 out of 100, Strong$26.6M17.6%1.25%vs
Manville Area Federal Credit UnionCredit union Manville, NJ77 out of 100, Strong$29.8M11.9%0.00%vs
First Point Federal Credit UnionCredit union Hamilton, NJ52 out of 100, Below average$25.0M7.4%0.74%vs
Jersey Central Federal Credit UnionCredit union Cranford, NJ54 out of 100, Below average$24.9M16.8%3.30%vs

Deposit insurance

Is my money safe at Harrison Police & Firemen'S Federal Credit Union?

Yes. Harrison Police & Firemen'S Federal Credit Union is a federally insured credit union (NCUA charter #6638). 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 9.1% of shares and deposits ($2.1M) 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 15.01%, 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

Harrison Police & Firemen'S Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Harrison Police & Firemen'S Federal Credit Union
Type
Federal credit union
NCUA charter #
6638
RSSD ID
991180
Primary regulator
NCUA
Established
1950
Headquarters
PO Box 31, Harrison, NJ 07029
Employees
4

Quick answers

Harrison Police & Firemen'S Federal Credit Union: common questions

Is Harrison Police & Firemen'S Federal Credit Union NCUA insured?

Yes. Harrison Police & Firemen'S Federal Credit Union is a federally insured credit union (NCUA charter #6638). 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 Harrison Police & Firemen'S Federal Credit Union's TellerScore?

81 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 Harrison Police & Firemen'S Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Harrison

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