TellerScore

Members Connect Federal Credit Union is a federal credit union headquartered in Madison, New Jersey, in business for about 61 years. At the end of Q2 2026 it reported $10.8M in total assets and $9.0M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Members Connect Federal Credit Union scores 60/100, which we describe as moderate. That is higher than only 22% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 90th. Its strongest component is capital cushion (92/100; 14.17%), and its lowest is loan quality (20/100; 2.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Net worth ratio: 14.17%
Loan quality20/100
Loans 60+ days delinquent ÷ total loans: 2.40%
Earnings31/100
Return on assets (annualized): 0.26%
Funding & liquidity87/100
Loans ÷ shares: 73.6% · 0.2% uninsured
Problem-loan coverage79/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.42%

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 19 points (79 → 60), mostly because the loan quality component weakened by 64 points.

TellerScore
607080Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202468
Q4 202473
Q1 202574
Q2 202579
Q3 202580
Q4 202576
Q1 202665
Q2 202660
Net worth ratio
7.00%10.80%14.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.71%
Q3 202414.46%
Q4 202414.50%
Q1 202513.17%
Q2 202514.26%
Q3 202514.61%
Q4 202514.49%
Q1 202614.31%
Q2 202614.17%
Delinquent loans (60+ days)
0.49%1.45%2.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.63%
Q3 20241.58%
Q4 20241.02%
Q1 20250.65%
Q2 20250.49%
Q3 20250.49%
Q4 20250.83%
Q1 20261.78%
Q2 20262.40%
Return on assets
0.26%0.39%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.36%
Q3 20240.35%
Q4 20240.31%
Q1 20250.36%
Q2 20250.46%
Q3 20250.52%
Q4 20250.52%
Q1 20260.27%
Q2 20260.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$10.8M14.17%2.40%0.26%73.6%
Q1 202665$10.7M14.31%1.78%0.27%76.4%
Q4 202576$10.5M14.49%0.83%0.52%77.7%
Q3 202580$10.5M14.61%0.49%0.52%77.1%
Q2 202579$10.6M14.26%0.49%0.46%75.9%
Q1 202574$11.4M13.17%0.65%0.36%71.0%
Q4 202473$10.3M14.50%1.02%0.31%78.7%
Q3 202468$10.4M14.46%1.58%0.35%80.4%
Q2 202465$10.9M13.71%1.63%0.36%77.6%

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).

Capital ratio14.17%
49th
Problem loans2.40%
17th
Net charge-offs0.20%
47th
Return on assets0.26%
30th
Loans to deposits73.6%
28th
Uninsured deposits0.2%
60th
Loan-loss reserves0.00%
37th
Texas ratio10.4%
13th

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Deposit insurance

Is my money safe at Members Connect Federal Credit Union?

Yes. Members Connect Federal Credit Union is a federally insured credit union (NCUA charter #16584). 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 0.2% of shares and deposits ($21K) 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 14.17%, 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

Members Connect Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Members Connect Federal Credit Union
Type
Federal credit union
NCUA charter #
16584
RSSD ID
953384
Primary regulator
NCUA
Established
1965
Headquarters
12 Main St. Ste.4, Madison, NJ 07940
Employees
7

Quick answers

Members Connect Federal Credit Union: common questions

Is Members Connect Federal Credit Union NCUA insured?

Yes. Members Connect Federal Credit Union is a federally insured credit union (NCUA charter #16584). 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 Connect Federal Credit Union's TellerScore?

60 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 Connect Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Madison

InstitutionScoreAssetsCapitalProblem loansCompare
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
Division 819 Transit Employees Credit UnionCredit union Irvington, NJ88 out of 100, Very strong$16.7M17.9%1.02%vs
Local 1233 Federal Credit UnionCredit union Newark, NJ88 out of 100, Very strong$14.1M17.9%0.27%vs
Lusitania Savings BankBank Newark, NJ86 out of 100, Very strong$418.1M15.0%0.19%vs
Merck Employees Federal Credit UnionCredit union Rahway, NJ86 out of 100, Very strong$1.7B15.4%0.30%vs
Linden NJ Police & Firemen Federal Credit UnionCredit union Linden, NJ86 out of 100, Very strong$6.9M32.2%0.60%vs