TellerScore

Hoboken School Employees Federal Credit Union is a federal credit union headquartered in Hoboken, New Jersey, in business for about 89 years. At the end of Q2 2026 it reported $75.6M in total assets and $59.7M in member shares and deposits, with 1 office.

Hoboken School Employees Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 44% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 47th. Capital cushion contributes the most (100/100, 20.54%); earnings contributes the least (31/100, 0.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.54%
Loan quality55/100
Loans 60+ days delinquent ÷ total loans: 1.36%
Earnings31/100
Return on assets (annualized): 0.28%
Funding & liquidity80/100
Loans ÷ shares: 42.3% · 33.5% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.22%

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 5 points (77 → 72), mostly because the loan quality component weakened by 15 points.

TellerScore
717681Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202473
Q4 202475
Q1 202581
Q2 202577
Q3 202576
Q4 202576
Q1 202676
Q2 202672
Net worth ratio
7.00%14.71%22.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202422.09%
Q3 202422.42%
Q4 202422.19%
Q1 202521.52%
Q2 202521.28%
Q3 202521.34%
Q4 202521.31%
Q1 202621.00%
Q2 202620.54%
Delinquent loans (60+ days)
0.37%0.93%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.48%
Q3 20241.18%
Q4 20241.00%
Q1 20250.37%
Q2 20250.90%
Q3 20250.96%
Q4 20250.99%
Q1 20260.94%
Q2 20261.36%
Return on assets
-0.03%0.12%0.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.03%
Q3 2024-0.03%
Q4 20240.00%
Q1 20250.11%
Q2 20250.21%
Q3 20250.16%
Q4 20250.17%
Q1 20260.24%
Q2 20260.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$75.6M20.54%1.36%0.28%42.3%
Q1 202676$73.6M21.00%0.94%0.24%44.0%
Q4 202576$72.4M21.31%0.99%0.17%45.7%
Q3 202576$72.2M21.34%0.96%0.16%45.6%
Q2 202577$72.3M21.28%0.90%0.21%44.8%
Q1 202581$71.2M21.52%0.37%0.11%45.6%
Q4 202475$69.0M22.19%1.00%0.00%49.2%
Q3 202473$68.3M22.42%1.18%-0.03%50.5%
Q2 202471$69.3M22.09%1.48%-0.03%50.5%

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 ratio20.54%
79th
Problem loans1.36%
31st
Net charge-offs0.12%
55th
Return on assets0.28%
30th
Loans to deposits42.3%
75th
Uninsured deposits33.5%
0th
Loan-loss reserves0.00%
37th
Texas ratio2.2%
50th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Rutgers Federal Credit UnionCredit union New Brunswick, NJ85 out of 100, Very strong$77.4M12.6%0.39%vs
United Poles Federal Credit UnionCredit union Perth Amboy, NJ28 out of 100, Low$72.3M7.0%2.96%vs
B-M S Federal Credit UnionCredit union New Brunswick, NJ80 out of 100, Strong$81.7M21.1%0.54%vs
Union Building Trades Federal Credit UnionCredit union Parsippany, NJ71 out of 100, Strong$85.8M12.8%0.84%vs
Fort Billings Federal Credit UnionCredit union Paulsboro, NJ65 out of 100, Moderate$64.2M9.3%0.19%vs
New Jersey Law and Public Safety Credit UnionCredit union Trenton, NJ93 out of 100, Very strong$63.9M19.6%0.31%vs

Deposit insurance

Is my money safe at Hoboken School Employees Federal Credit Union?

Yes. Hoboken School Employees Federal Credit Union is a federally insured credit union (NCUA charter #2155). 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 33.5% of shares and deposits ($20.0M) 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 20.54%, 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

Hoboken School Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hoboken School Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
2155
RSSD ID
97578
Primary regulator
NCUA
Established
1937
Headquarters
522 Adams St, Hoboken, NJ 07030
Employees
4

Quick answers

Hoboken School Employees Federal Credit Union: common questions

Is Hoboken School Employees Federal Credit Union NCUA insured?

Yes. Hoboken School Employees Federal Credit Union is a federally insured credit union (NCUA charter #2155). 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 Hoboken School Employees Federal Credit Union's TellerScore?

72 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 Hoboken School Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hoboken

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