TellerScore

Headquartered in Northfield, New Jersey, Jersey Shore Federal Credit Union is a federal credit union with $246.3M in total assets and $227.0M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1963.

Jersey Shore Federal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 60% of its 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 41st. Funding & liquidity contributes the most (100/100, 57% loans-to-deposits, 7% uninsured); capital cushion contributes the least (48/100, 9.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Net worth ratio: 9.76%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.29%
Earnings58/100
Return on assets (annualized): 0.96%
Funding & liquidity100/100
Loans ÷ shares: 57.3% · 6.8% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.58%

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 8 points (65 → 73), mostly because the earnings component improved by 12 points.

TellerScore
596673Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202459
Q4 202460
Q1 202562
Q2 202565
Q3 202567
Q4 202568
Q1 202672
Q2 202673
Net worth ratio
7.00%8.38%9.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.47%
Q3 20248.54%
Q4 20248.85%
Q1 20258.64%
Q2 20258.77%
Q3 20259.08%
Q4 20259.32%
Q1 20269.48%
Q2 20269.76%
Delinquent loans (60+ days)
0.29%0.70%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.94%
Q3 20241.08%
Q4 20241.11%
Q1 20250.73%
Q2 20250.63%
Q3 20250.56%
Q4 20250.59%
Q1 20260.35%
Q2 20260.29%
Return on assets
0.49%0.73%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.56%
Q3 20240.61%
Q4 20240.70%
Q1 20250.49%
Q2 20250.65%
Q3 20250.78%
Q4 20250.88%
Q1 20260.92%
Q2 20260.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$246.3M9.76%0.29%0.96%57.3%
Q1 202672$247.1M9.48%0.35%0.92%56.1%
Q4 202568$245.4M9.32%0.59%0.88%56.6%
Q3 202567$244.0M9.08%0.56%0.78%56.0%
Q2 202565$245.4M8.77%0.63%0.65%55.9%
Q1 202562$243.3M8.64%0.73%0.49%54.2%
Q4 202460$234.1M8.85%1.11%0.70%55.4%
Q3 202459$236.1M8.54%1.08%0.61%54.6%
Q2 202460$232.9M8.47%0.94%0.56%53.7%

1,341 peers · $100 million – $1 billion

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 ratio9.76%
24th
Problem loans0.29%
83rd
Net charge-offs0.14%
78th
Return on assets0.96%
64th
Loans to deposits57.3%
81st
Uninsured deposits6.8%
41st
Loan-loss reserves0.00%
50th
Texas ratio1.6%
80th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Greater Alliance Federal Credit UnionCredit union Paramus, NJ48 out of 100, Below average$247.6M8.8%1.58%vs
North Jersey Federal Credit UnionCredit union Totowa, NJ66 out of 100, Moderate$255.6M10.5%0.89%vs
The Atlantic Federal Credit UnionCredit union Kenilworth, NJ45 out of 100, Below average$235.1M13.6%3.51%vs
Edifi Federal Credit UnionCredit union Rancocas, NJ65 out of 100, Moderate$262.4M9.3%0.72%vs
Xcel Federal Credit UnionCredit union Bloomfield, NJ61 out of 100, Moderate$185.8M10.9%0.99%vs
First Financial Federal Credit UnionCredit union Freehold, NJ38 out of 100, Low$176.1M8.3%2.78%vs

Deposit insurance

Is my money safe at Jersey Shore Federal Credit Union?

Yes. Jersey Shore Federal Credit Union is a federally insured credit union (NCUA charter #15483). 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 6.8% of shares and deposits ($15.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.76%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Jersey Shore Federal Credit Union lists 5 offices in 5 cities. Most locations:

  • Atlantic City, NJ (1)
  • Galloway, NJ (1)
  • Hammonton, NJ (1)
  • Northfield, NJ (1)
  • Rio Grande, NJ (1)

All branch addresses and map

Identity & history

Profile

Legal name
Jersey Shore Federal Credit Union
Type
Federal credit union
NCUA charter #
15483
RSSD ID
397782
Primary regulator
NCUA
Established
1963
Headquarters
1434 New Rd, Northfield, NJ 08225
Employees
65

Quick answers

Jersey Shore Federal Credit Union: common questions

Is Jersey Shore Federal Credit Union NCUA insured?

Yes. Jersey Shore Federal Credit Union is a federally insured credit union (NCUA charter #15483). 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 Shore 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 Jersey Shore Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Northfield

InstitutionScoreAssetsCapitalProblem loansCompare
Parke BankBank Sewell, NJ85 out of 100, Very strong$2.3B15.9%0.27%vs
Atlantic City Police Federal Credit UnionCredit union Northfield, NJ78 out of 100, Strong$2.1M21.2%2.02%vs
Franklin BankBank Pilesgrove, NJ72 out of 100, Strong$334.1M10.3%0.15%vs
The First National Bank of AbseconBank Absecon, NJ70 out of 100, Strong$195.0M10.2%0.06%vs
Atlantic City Electric Co Emp Federal Credit UnionCredit union Mays Landing, NJ70 out of 100, Strong$62.5M14.6%1.98%vs
Sturdy Savings BankBank Stone Harbor, NJ68 out of 100, Moderate$1.1B9.7%0.15%vs