Headquartered in Kearny, New Jersey, Kearny Municipal Employees Federal Credit Union is a federal credit union with $5.6M in total assets and $4.1M in member shares and deposits as of Q2 2026. Its charter dates back to 1955.
Based on its Q2 2026 filing, Kearny Municipal Employees Federal Credit Union scores 59/100, which we describe as moderate. That is higher than only 20% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 93rd. Its strongest component is capital cushion (100/100; 26.11%), and its lowest is loan quality (0/100; 6.07%).
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 4 points (55 → 59), mostly because the earnings component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 54 |
| Q4 2024 | 54 |
| Q1 2025 | 58 |
| Q2 2025 | 55 |
| Q3 2025 | 54 |
| Q4 2025 | 54 |
| Q1 2026 | 75 |
| Q2 2026 | 59 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 19.16% |
| Q3 2024 | 19.25% |
| Q4 2024 | 20.07% |
| Q1 2025 | 19.87% |
| Q2 2025 | 20.97% |
| Q3 2025 | 23.57% |
| Q4 2025 | 26.31% |
| Q1 2026 | 26.47% |
| Q2 2026 | 26.11% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 4.55% |
| Q3 2024 | 6.80% |
| Q4 2024 | 7.71% |
| Q1 2025 | 6.43% |
| Q2 2025 | 4.03% |
| Q3 2025 | 5.76% |
| Q4 2025 | 7.20% |
| Q1 2026 | 1.31% |
| Q2 2026 | 6.07% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.35% |
| Q3 2024 | -1.18% |
| Q4 2024 | -1.35% |
| Q1 2025 | 0.00% |
| Q2 2025 | -0.54% |
| Q3 2025 | -0.73% |
| Q4 2025 | -0.72% |
| Q1 2026 | 0.25% |
| Q2 2026 | 0.03% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $5.6M | 26.11% | 6.07% | 0.03% | 19.4% |
| Q1 2026 | 75 | $5.5M | 26.47% | 1.31% | 0.25% | 19.6% |
| Q4 2025 | 54 | $5.5M | 26.31% | 7.20% | -0.72% | 19.2% |
| Q3 2025 | 54 | $6.2M | 23.57% | 5.76% | -0.73% | 17.0% |
| Q2 2025 | 55 | $7.0M | 20.97% | 4.03% | -0.54% | 14.7% |
| Q1 2025 | 58 | $7.5M | 19.87% | 6.43% | 0.00% | 14.0% |
| Q4 2024 | 54 | $7.4M | 20.07% | 7.71% | -1.35% | 15.1% |
| Q3 2024 | 54 | $7.9M | 19.25% | 6.80% | -1.18% | 15.7% |
| Q2 2024 | 54 | $8.0M | 19.16% | 4.55% | -1.35% | 15.6% |
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 |
|---|---|---|---|---|---|
| Parlin Dupont Employees Federal Credit UnionCredit union Sayreville, NJ | 39 out of 100, Low | $5.4M | 9.8% | 4.63% | vs |
| West Hudson Teachers Federal Credit UnionCredit union North Arlington, NJ | 54 out of 100, Below average | $5.8M | 12.3% | 2.53% | vs |
| Newark Police Federal Credit UnionCredit union Newark, NJ | 66 out of 100, Moderate | $5.2M | 34.6% | 5.27% | vs |
| Paterson Police Federal Credit UnionCredit union Paterson, NJ | 66 out of 100, Moderate | $4.7M | 19.9% | 2.44% | vs |
| N. J. Latvian Federal Credit UnionCredit union Freehold, NJ | 66 out of 100, Moderate | $4.7M | 16.4% | 1.76% | vs |
| Trenton NJ Firemen Federal Credit UnionCredit union Trenton, NJ | 85 out of 100, Very strong | $4.4M | 18.2% | 0.52% | vs |
Deposit insurance
Is my money safe at Kearny Municipal Employees Federal Credit Union?
Yes. Kearny Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter #10614). 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 26.11%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
Identity & history
Profile
- Legal name
- Kearny Municipal Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 10614
- RSSD ID
- 768083
- Primary regulator
- NCUA
- Established
- 1955
- Headquarters
- 645 Kearny Ave, Kearny, NJ 07032
- Employees
- 4
Quick answers
Kearny Municipal Employees Federal Credit Union: common questions
Is Kearny Municipal Employees Federal Credit Union NCUA insured?
Yes. Kearny Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter #10614). 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 Kearny Municipal Employees Federal Credit Union's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.