TellerScore

L'Oreal USA Federal Credit Union (NCUA charter #21109) is based in Mountainside, New Jersey. Its Q2 2026 call report shows $20.0M in total assets and $14.7M in member shares and deposits and 1 office.

L'Oreal USA Federal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 43rd. Capital cushion contributes the most (100/100, 26.55%); earnings contributes the least (1/100, -0.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 26.55%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.90%
Earnings1/100
Return on assets (annualized): -0.47%
Funding & liquidity100/100
Loans ÷ shares: 44.6% · 5.7% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.11%

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 5 points (68 → 73), mostly because the loan quality component improved by 23 points.

TellerScore
627078Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202465
Q4 202470
Q1 202564
Q2 202568
Q3 202570
Q4 202578
Q1 202675
Q2 202673
Net worth ratio
7.00%16.78%26.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202424.08%
Q3 202426.07%
Q4 202425.61%
Q1 202524.57%
Q2 202525.08%
Q3 202525.89%
Q4 202525.87%
Q1 202625.38%
Q2 202626.55%
Delinquent loans (60+ days)
0.48%1.46%2.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.45%
Q3 20241.72%
Q4 20241.31%
Q1 20252.03%
Q2 20251.60%
Q3 20251.32%
Q4 20250.48%
Q1 20260.60%
Q2 20260.90%
Return on assets
-4.48%-2.31%-0.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.13%
Q3 2024-4.48%
Q4 2024-0.27%
Q1 2025-0.34%
Q2 2025-0.26%
Q3 2025-0.26%
Q4 2025-0.30%
Q1 2026-0.46%
Q2 2026-0.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$20.0M26.55%0.90%-0.47%44.6%
Q1 202675$21.1M25.38%0.60%-0.46%44.0%
Q4 202578$20.8M25.87%0.48%-0.30%47.0%
Q3 202570$20.8M25.89%1.32%-0.26%48.6%
Q2 202568$21.5M25.08%1.60%-0.26%48.7%
Q1 202564$22.0M24.57%2.03%-0.34%46.5%
Q4 202470$21.2M25.61%1.31%-0.27%50.7%
Q3 202465$20.9M26.07%1.72%-4.48%54.0%
Q2 202462$22.7M24.08%2.45%-0.13%51.3%

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 ratio26.55%
91st
Problem loans0.90%
42nd
Net charge-offs-0.18%
95th
Return on assets-0.47%
11th
Loans to deposits44.6%
72nd
Uninsured deposits5.7%
18th
Loan-loss reserves0.00%
37th
Texas ratio1.1%
64th

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Deposit insurance

Is my money safe at L'Oreal USA Federal Credit Union?

Yes. L'Oreal USA Federal Credit Union is a federally insured credit union (NCUA charter #21109). 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 5.7% of shares and deposits ($838K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 26.55%, 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

L'Oreal USA Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
L'Oreal USA Federal Credit Union
Type
Federal credit union
NCUA charter #
21109
RSSD ID
154686
Primary regulator
NCUA
Established
1972
Headquarters
P.O. Box 1202, Mountainside, NJ 07092
Employees
6

Quick answers

L'Oreal USA Federal Credit Union: common questions

Is L'Oreal USA Federal Credit Union NCUA insured?

Yes. L'Oreal USA Federal Credit Union is a federally insured credit union (NCUA charter #21109). 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 L'Oreal USA 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 L'Oreal USA Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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