TellerScore

Headquartered in Vineland, New Jersey, Members 1st of NJ Federal Credit Union is a federal credit union with $134.2M in total assets and $121.0M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1938.

Based on its Q2 2026 filing, Members 1st of NJ Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 41% of 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 63rd. Its strongest component is funding & liquidity (100/100; 48% loans-to-deposits, 3% uninsured), and its lowest is earnings (46/100; 0.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Net worth ratio: 9.57%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.65%
Earnings46/100
Return on assets (annualized): 0.64%
Funding & liquidity100/100
Loans ÷ shares: 47.8% · 2.7% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.93%

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 3 points (64 → 67), mostly because the capital cushion component improved by 6 points.

TellerScore
586469Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202463
Q4 202458
Q1 202560
Q2 202564
Q3 202568
Q4 202569
Q1 202665
Q2 202667
Net worth ratio
7.00%8.38%9.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.51%
Q3 20247.95%
Q4 20247.74%
Q1 20257.61%
Q2 20259.04%
Q3 20259.51%
Q4 20259.75%
Q1 20269.63%
Q2 20269.57%
Delinquent loans (60+ days)
0.30%0.60%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.40%
Q3 20240.30%
Q4 20240.70%
Q1 20250.58%
Q2 20250.69%
Q3 20250.85%
Q4 20250.90%
Q1 20260.89%
Q2 20260.65%
Return on assets
0.26%0.65%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.26%
Q3 20240.42%
Q4 20240.40%
Q1 20250.50%
Q2 20250.59%
Q3 20251.01%
Q4 20251.05%
Q1 20260.72%
Q2 20260.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$134.2M9.57%0.65%0.64%47.8%
Q1 202665$133.3M9.63%0.89%0.72%48.2%
Q4 202569$129.2M9.75%0.90%1.05%50.7%
Q3 202568$128.3M9.51%0.85%1.01%50.8%
Q2 202564$128.5M9.04%0.69%0.59%50.1%
Q1 202560$87.3M7.61%0.58%0.50%60.8%
Q4 202458$84.4M7.74%0.70%0.40%65.1%
Q3 202463$81.2M7.95%0.30%0.42%66.6%
Q2 202459$85.3M7.51%0.40%0.26%62.2%

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 ratio9.57%
22nd
Problem loans0.65%
52nd
Net charge-offs0.56%
30th
Return on assets0.64%
41st
Loans to deposits47.8%
91st
Uninsured deposits2.7%
86th
Loan-loss reserves0.00%
50th
Texas ratio2.9%
62nd

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Liberty Savings Federal Credit UnionCredit union Jersey City, NJ54 out of 100, Below average$135.1M11.7%2.09%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
Deepwater Industries Federal Credit UnionCredit union Deepwater, NJ77 out of 100, Strong$113.6M11.2%1.00%vs
Nova Ua Federal Credit UnionCredit union Clifton, NJ79 out of 100, Strong$156.4M13.8%0.17%vs

Deposit insurance

Is my money safe at Members 1st of NJ Federal Credit Union?

Yes. Members 1st of NJ Federal Credit Union is a federally insured credit union (NCUA charter #2574). 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 ($3.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.57%, 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

Members 1st of NJ Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Members 1st of NJ Federal Credit Union
Type
Federal credit union
NCUA charter #
2574
RSSD ID
682572
Primary regulator
NCUA
Established
1938
Headquarters
37 West Landis Ave, Vineland, NJ 08360
Employees
28

Quick answers

Members 1st of NJ Federal Credit Union: common questions

Is Members 1st of NJ Federal Credit Union NCUA insured?

Yes. Members 1st of NJ Federal Credit Union is a federally insured credit union (NCUA charter #2574). 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 Members 1st of NJ Federal Credit Union's TellerScore?

67 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.

How many branches does Members 1st of NJ Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Vineland

InstitutionScoreAssetsCapitalProblem loansCompare
Police & Fire Federal Credit UnionCredit union Philadelphia, PA96 out of 100, Very strong$10.2B18.6%0.24%vs
Parke BankBank Sewell, NJ85 out of 100, Very strong$2.3B15.9%0.27%vs
Century Savings BankBank Vineland, NJ81 out of 100, Strong$634.8M13.2%0.00%vs
Millville Savings BankBank Millville, NJ81 out of 100, Strong$169.9M13.6%0.12%vs
Monroe Savings BankBank Williamstown, NJ76 out of 100, Strong$114.0M14.0%0.52%vs
Jersey Shore Federal Credit UnionCredit union Northfield, NJ73 out of 100, Strong$246.3M9.8%0.29%vs