TellerScore

Liberty Savings Federal Credit Union is a federal credit union headquartered in Jersey City, New Jersey, in business for about 75 years. At the end of Q2 2026 it reported $135.1M in total assets and $116.8M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Liberty Savings Federal Credit Union scores 54/100, which we describe as below average. That is higher than only 10% of 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 101st. Its strongest component is funding & liquidity (100/100; 57% loans-to-deposits, 4% uninsured), and its lowest is earnings (15/100; -0.12%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.68%
Loan quality30/100
Loans 60+ days delinquent ÷ total loans: 2.09%
Earnings15/100
Return on assets (annualized): -0.12%
Funding & liquidity100/100
Loans ÷ shares: 57.4% · 4.4% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.87%

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 8 points (62 → 54), mostly because the earnings component weakened by 31 points.

TellerScore
505763Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202454
Q4 202450
Q1 202563
Q2 202562
Q3 202560
Q4 202556
Q1 202654
Q2 202654
Net worth ratio
7.00%9.97%12.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.45%
Q3 202412.27%
Q4 202412.94%
Q1 202512.67%
Q2 202512.74%
Q3 202512.21%
Q4 202512.09%
Q1 202611.65%
Q2 202611.68%
Delinquent loans (60+ days)
2.02%2.44%2.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.39%
Q3 20242.38%
Q4 20242.86%
Q1 20252.23%
Q2 20252.18%
Q3 20252.10%
Q4 20252.44%
Q1 20262.02%
Q2 20262.09%
Return on assets
-0.20%0.32%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.01%
Q3 2024-0.01%
Q4 2024-0.14%
Q1 20250.85%
Q2 20250.65%
Q3 20250.42%
Q4 20250.34%
Q1 2026-0.20%
Q2 2026-0.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$135.1M11.68%2.09%-0.12%57.4%
Q1 202654$135.5M11.65%2.02%-0.20%55.7%
Q4 202556$132.1M12.09%2.44%0.34%59.1%
Q3 202560$132.9M12.21%2.10%0.42%59.0%
Q2 202562$123.3M12.74%2.18%0.65%60.8%
Q1 202563$122.9M12.67%2.23%0.85%62.0%
Q4 202450$120.2M12.94%2.86%-0.14%64.2%
Q3 202454$122.0M12.27%2.38%-0.01%63.4%
Q2 202454$126.2M12.45%2.39%-0.01%62.0%

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 ratio11.68%
54th
Problem loans2.09%
6th
Net charge-offs1.89%
1st
Return on assets-0.12%
4th
Loans to deposits57.4%
81st
Uninsured deposits4.4%
66th
Loan-loss reserves0.00%
50th
Texas ratio8.9%
16th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Members 1st of NJ Federal Credit UnionCredit union Vineland, NJ67 out of 100, Moderate$134.2M9.6%0.65%vs
Healthcare Employees Federal Credit UnionCredit union Princeton, NJ86 out of 100, Very strong$137.2M13.6%0.62%vs
County Excellence Federal Credit UnionCredit union Roselle Park, NJ57 out of 100, Moderate$137.9M8.4%1.37%vs
Campbell Federal Credit UnionCredit union Maple Shade, NJ69 out of 100, Moderate$138.6M14.3%1.36%vs
Nova Ua Federal Credit UnionCredit union Clifton, NJ79 out of 100, Strong$156.4M13.8%0.17%vs
Deepwater Industries Federal Credit UnionCredit union Deepwater, NJ77 out of 100, Strong$113.6M11.2%1.00%vs

Deposit insurance

Is my money safe at Liberty Savings Federal Credit Union?

Yes. Liberty Savings Federal Credit Union is a federally insured credit union (NCUA charter #7184). 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 4.4% of shares and deposits ($5.2M) 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 11.68%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Liberty Savings Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Liberty Savings Federal Credit Union
Type
Federal credit union
NCUA charter #
7184
RSSD ID
472287
Primary regulator
NCUA
Established
1951
Headquarters
666 Newark Avenue, Jersey City, NJ 07306
Employees
46

Quick answers

Liberty Savings Federal Credit Union: common questions

Is Liberty Savings Federal Credit Union NCUA insured?

Yes. Liberty Savings Federal Credit Union is a federally insured credit union (NCUA charter #7184). 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 Liberty Savings 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 Liberty Savings Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Jersey City

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