Heard A.M.E. Federal Credit Union (NCUA charter #23615) is based in Roselle, New Jersey. Its Q2 2026 call report shows $165K in total assets and $149K in member shares and deposits and 1 office.
Heard A.M.E. Federal Credit Union has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 12% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 109th. Funding & liquidity contributes the most (100/100, 29% loans-to-deposits, 0% uninsured); loan quality contributes the least (0/100, 6.33%).
TellerScore · Q2 2026
Scorecard
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 21 points (32 → 53), mostly because the earnings component improved by 50 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 32 |
| Q3 2024 | 35 |
| Q4 2024 | 25 |
| Q1 2025 | 50 |
| Q2 2025 | 32 |
| Q3 2025 | 46 |
| Q4 2025 | 71 |
| Q1 2026 | 55 |
| Q2 2026 | 53 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.47% |
| Q3 2024 | 8.56% |
| Q4 2024 | 5.29% |
| Q1 2025 | 5.08% |
| Q2 2025 | 5.50% |
| Q3 2025 | 6.62% |
| Q4 2025 | 7.94% |
| Q1 2026 | 8.44% |
| Q2 2026 | 9.38% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 28.50% |
| Q3 2024 | 7.03% |
| Q4 2024 | 2.97% |
| Q1 2025 | 0.00% |
| Q2 2025 | 3.37% |
| Q3 2025 | 2.89% |
| Q4 2025 | 0.85% |
| Q1 2026 | 2.88% |
| Q2 2026 | 6.33% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -4.81% |
| Q3 2024 | -4.38% |
| Q4 2024 | -2.83% |
| Q1 2025 | -0.94% |
| Q2 2025 | 0.56% |
| Q3 2025 | 1.66% |
| Q4 2025 | 2.12% |
| Q1 2026 | 2.61% |
| Q2 2026 | 1.79% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 53 | $165K | 9.38% | 6.33% | 1.79% | 28.9% |
| Q1 2026 | 55 | $174K | 8.44% | 2.88% | 2.61% | 28.6% |
| Q4 2025 | 71 | $176K | 7.94% | 0.85% | 2.12% | 32.1% |
| Q3 2025 | 46 | $194K | 6.62% | 2.89% | 1.66% | 31.8% |
| Q2 2025 | 32 | $196K | 5.50% | 3.37% | 0.56% | 26.9% |
| Q1 2025 | 50 | $202K | 5.08% | 0.00% | -0.94% | 19.8% |
| Q4 2024 | 25 | $194K | 5.29% | 2.97% | -2.83% | 14.7% |
| Q3 2024 | 35 | $195K | 8.56% | 7.03% | -4.38% | 9.3% |
| Q2 2024 | 32 | $197K | 8.47% | 28.50% | -4.81% | 7.0% |
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).
Similar-size credit unions in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Israel Memorial a M E Federal Credit UnionCredit union Newark, NJ | 72 out of 100, Strong | $413K | 41.3% | 28.73% | vs |
| Camden Firemen'S Federal Credit UnionCredit union Moorestown, NJ | 65 out of 100, Moderate | $520K | 20.2% | 10.49% | vs |
| Messiah Baptist Church Federal Credit UnionCredit union East Orange, NJ | 74 out of 100, Strong | $888K | 8.6% | 0.00% | vs |
| Terminals Federal Credit UnionCredit union Carteret, NJ | 66 out of 100, Moderate | $943K | 38.9% | 3.95% | vs |
| Plainfield Police & Firemen'S Federal Credit UnionCredit union Plainfield, NJ | 69 out of 100, Moderate | $1.3M | 25.5% | 20.87% | vs |
| Ocean County Employees Federal Credit UnionCredit union Toms River, NJ | 97 out of 100, Very strong | $1.4M | 20.0% | 0.33% | vs |
Deposit insurance
Is my money safe at Heard A.M.E. Federal Credit Union?
Yes. Heard A.M.E. Federal Credit Union is a federally insured credit union (NCUA charter #23615). 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 9.38%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Heard A.M.E. Federal Credit Union lists 1 office in 1 city. Most locations:
- Roselle, NJ (1)
Identity & history
Profile
- Legal name
- Heard A.M.E. Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 23615
- RSSD ID
- 108090
- Primary regulator
- NCUA
- Established
- 1980
- Headquarters
- 310 E 8th Ave, Roselle, NJ 07203
Quick answers
Heard A.M.E. Federal Credit Union: common questions
Is Heard A.M.E. Federal Credit Union NCUA insured?
Yes. Heard A.M.E. Federal Credit Union is a federally insured credit union (NCUA charter #23615). 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 Heard A.M.E. Federal Credit Union's TellerScore?
53 out of 100 (Below average), 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 Heard A.M.E. Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Roselle
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| Division 819 Transit Employees Credit UnionCredit union Irvington, NJ | 88 out of 100, Very strong | $16.7M | 17.9% | 1.02% | vs |
| Local 1233 Federal Credit UnionCredit union Newark, NJ | 88 out of 100, Very strong | $14.1M | 17.9% | 0.27% | vs |