TellerScore

Headquartered in Newark, New Jersey, Local 1233 Federal Credit Union is a federal credit union with $14.1M in total assets and $11.5M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1971.

Local 1233 Federal Credit Union has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 85% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 7th. Capital cushion contributes the most (100/100, 17.87%); earnings contributes the least (53/100, 0.82%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.87%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.27%
Earnings53/100
Return on assets (annualized): 0.82%
Funding & liquidity100/100
Loans ÷ shares: 49.1% · 2.7% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.60%

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 2 points (90 → 88), mostly because the earnings component weakened by 7 points.

TellerScore
859197Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202497
Q4 202493
Q1 202585
Q2 202590
Q3 202588
Q4 202587
Q1 202689
Q2 202688
Net worth ratio
7.00%12.69%18.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.01%
Q3 202417.13%
Q4 202418.01%
Q1 202517.54%
Q2 202517.56%
Q3 202518.29%
Q4 202518.38%
Q1 202617.89%
Q2 202617.87%
Delinquent loans (60+ days)
0.00%0.32%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.42%
Q1 20250.64%
Q2 20250.25%
Q3 20250.58%
Q4 20250.18%
Q1 20260.13%
Q2 20260.27%
Return on assets
0.64%1.11%1.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.22%
Q3 20241.58%
Q4 20241.54%
Q1 20250.80%
Q2 20251.00%
Q3 20251.14%
Q4 20250.64%
Q1 20260.76%
Q2 20260.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$14.1M17.87%0.27%0.82%49.1%
Q1 202689$13.9M17.89%0.13%0.76%49.1%
Q4 202587$13.4M18.38%0.18%0.64%53.6%
Q3 202588$13.7M18.29%0.58%1.14%55.4%
Q2 202590$14.0M17.56%0.25%1.00%49.0%
Q1 202585$13.7M17.54%0.64%0.80%48.9%
Q4 202493$13.2M18.01%0.42%1.54%52.4%
Q3 202497$13.7M17.13%0.00%1.58%51.7%
Q2 202494$13.3M17.01%0.00%1.22%52.1%

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 ratio17.87%
69th
Problem loans0.27%
70th
Net charge-offs0.31%
38th
Return on assets0.82%
59th
Loans to deposits49.1%
65th
Uninsured deposits2.7%
39th
Loan-loss reserves0.00%
37th
Texas ratio0.6%
73rd

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Path Federal Credit UnionCredit union Jersey City, NJ53 out of 100, Below average$14.2M27.2%4.26%vs
Federal Employees Newark Federal Credit UnionCredit union Newark, NJ78 out of 100, Strong$14.4M17.3%0.10%vs
P S E Federal Credit UnionCredit union Somerset, NJ71 out of 100, Strong$13.5M13.8%1.03%vs
Public Service Plaza Federal Credit UnionCredit union Newark, NJ83 out of 100, Strong$13.1M20.2%1.39%vs
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
Erie Lackawanna Railroad Co Emp Federal Credit UnionCredit union Hoboken, NJ83 out of 100, Strong$11.9M25.4%0.64%vs

Deposit insurance

Is my money safe at Local 1233 Federal Credit Union?

Yes. Local 1233 Federal Credit Union is a federally insured credit union (NCUA charter #20773). 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 2.7% of shares and deposits ($307K) 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 17.87%, 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

Local 1233 Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Local 1233 Federal Credit Union
Type
Federal credit union
NCUA charter #
20773
RSSD ID
942986
Primary regulator
NCUA
Established
1971
Headquarters
Po Box 4049, Newark, NJ 07112
Employees
3

Quick answers

Local 1233 Federal Credit Union: common questions

Is Local 1233 Federal Credit Union NCUA insured?

Yes. Local 1233 Federal Credit Union is a federally insured credit union (NCUA charter #20773). 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 Local 1233 Federal Credit Union's TellerScore?

88 out of 100 (Very 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 Local 1233 Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Newark

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