TellerScore

Jersey Central Federal Credit Union (NCUA charter #2493) is based in Cranford, New Jersey. Its Q2 2026 call report shows $24.9M in total assets and $20.6M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Jersey Central Federal Credit Union scores 54/100, which we describe as below average. That is higher than only 13% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 103rd. Its strongest component is capital cushion (100/100; 16.77%), and its lowest is loan quality (0/100; 3.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.77%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.30%
Earnings8/100
Return on assets (annualized): -0.30%
Funding & liquidity94/100
Loans ÷ shares: 65.9% · 0.0% uninsured
Problem-loan coverage79/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.75%

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 (59 → 54), mostly because the loan quality component weakened by 18 points.

TellerScore
546066Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202464
Q4 202460
Q1 202563
Q2 202559
Q3 202564
Q4 202560
Q1 202656
Q2 202654
Net worth ratio
7.00%13.54%20.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202420.07%
Q3 202419.93%
Q4 202418.92%
Q1 202518.48%
Q2 202518.24%
Q3 202517.49%
Q4 202517.64%
Q1 202617.33%
Q2 202616.77%
Delinquent loans (60+ days)
1.69%2.50%3.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.69%
Q3 20241.97%
Q4 20242.56%
Q1 20252.18%
Q2 20252.46%
Q3 20252.03%
Q4 20252.52%
Q1 20262.77%
Q2 20263.30%
Return on assets
-0.30%-0.10%0.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.09%
Q3 20240.09%
Q4 20240.11%
Q1 20250.03%
Q2 2025-0.13%
Q3 2025-0.07%
Q4 20250.01%
Q1 2026-0.23%
Q2 2026-0.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$24.9M16.77%3.30%-0.30%65.9%
Q1 202656$24.2M17.33%2.77%-0.23%67.1%
Q4 202560$24.0M17.64%2.52%0.01%69.3%
Q3 202564$24.3M17.49%2.03%-0.07%66.6%
Q2 202559$23.3M18.24%2.46%-0.13%71.0%
Q1 202563$23.1M18.48%2.18%0.03%73.5%
Q4 202460$22.5M18.92%2.56%0.11%75.0%
Q3 202464$21.5M19.93%1.97%0.09%80.8%
Q2 202466$21.3M20.07%1.69%0.09%81.7%

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 ratio16.77%
64th
Problem loans3.30%
11th
Net charge-offs0.47%
29th
Return on assets-0.30%
13th
Loans to deposits65.9%
39th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio10.7%
12th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
First Point Federal Credit UnionCredit union Hamilton, NJ52 out of 100, Below average$25.0M7.4%0.74%vs
New Brunswick Postal Federal Credit UnionCredit union New Brunswick, NJ44 out of 100, Below average$23.9M9.1%1.93%vs
Mid-State Federal Credit UnionCredit union Carteret, NJ75 out of 100, Strong$23.4M15.6%1.81%vs
Vah Lyons Employees Federal Credit UnionCredit union Lyons, NJ72 out of 100, Strong$26.6M17.6%1.25%vs
Harrison Police & Firemen'S Federal Credit UnionCredit union Harrison, NJ81 out of 100, Strong$27.7M15.0%0.92%vs
NJ Gateway Federal Credit UnionCredit union Dayton, NJ74 out of 100, Strong$27.7M10.0%0.01%vs

Deposit insurance

Is my money safe at Jersey Central Federal Credit Union?

Yes. Jersey Central Federal Credit Union is a federally insured credit union (NCUA charter #2493). 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 16.77%, 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

Jersey Central Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Jersey Central Federal Credit Union
Type
Federal credit union
NCUA charter #
2493
RSSD ID
856878
Primary regulator
NCUA
Established
1937
Headquarters
Po Box 661, Cranford, NJ 07016
Employees
7

Quick answers

Jersey Central Federal Credit Union: common questions

Is Jersey Central Federal Credit Union NCUA insured?

Yes. Jersey Central Federal Credit Union is a federally insured credit union (NCUA charter #2493). 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 Jersey Central Federal Credit Union's TellerScore?

54 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 Jersey Central Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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