TellerScore

Headquartered in Hamilton Square, New Jersey, Mercer County NJ Teachers Federal Credit Union is a federal credit union with $52.2M in total assets and $44.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1936.

Based on its Q2 2026 filing, Mercer County NJ Teachers Federal Credit Union scores 76/100, which we describe as strong. That is higher than 54% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 33rd. Its strongest component is funding & liquidity (100/100; 53% loans-to-deposits, 2% uninsured), and its lowest is loan quality (13/100; 2.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Net worth ratio: 14.84%
Loan quality13/100
Loans 60+ days delinquent ÷ total loans: 2.62%
Earnings99/100
Return on assets (annualized): 1.97%
Funding & liquidity100/100
Loans ÷ shares: 53.0% · 1.9% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.39%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 76).

TellerScore
727680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202473
Q4 202473
Q1 202574
Q2 202577
Q3 202579
Q4 202580
Q1 202680
Q2 202676
Net worth ratio
7.00%10.92%14.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.14%
Q3 202412.58%
Q4 202413.00%
Q1 202513.33%
Q2 202513.72%
Q3 202514.00%
Q4 202514.29%
Q1 202614.55%
Q2 202614.84%
Delinquent loans (60+ days)
1.94%2.28%2.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.20%
Q3 20242.18%
Q4 20242.27%
Q1 20252.28%
Q2 20252.11%
Q3 20251.94%
Q4 20252.03%
Q1 20261.99%
Q2 20262.62%
Return on assets
1.92%2.20%2.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.40%
Q3 20242.47%
Q4 20242.40%
Q1 20252.03%
Q2 20252.09%
Q3 20252.18%
Q4 20252.12%
Q1 20261.92%
Q2 20261.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$52.2M14.84%2.62%1.97%53.0%
Q1 202680$50.7M14.55%1.99%1.92%52.5%
Q4 202580$49.2M14.29%2.03%2.12%54.9%
Q3 202579$47.5M14.00%1.94%2.18%56.9%
Q2 202577$48.7M13.72%2.11%2.09%50.6%
Q1 202574$47.5M13.33%2.28%2.03%48.6%
Q4 202473$45.5M13.00%2.27%2.40%50.8%
Q3 202473$44.0M12.58%2.18%2.47%51.6%
Q2 202472$46.1M12.14%2.20%2.40%44.6%

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 ratio14.84%
53rd
Problem loans2.62%
15th
Net charge-offs-0.02%
89th
Return on assets1.97%
94th
Loans to deposits53.0%
59th
Uninsured deposits1.9%
45th
Loan-loss reserves0.00%
37th
Texas ratio8.4%
17th

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Motion Federal Credit UnionCredit union Linden, NJ62 out of 100, Moderate$60.2M10.3%0.94%vs
Atlantic City Electric Co Emp Federal Credit UnionCredit union Mays Landing, NJ70 out of 100, Strong$62.5M14.6%1.98%vs

Deposit insurance

Is my money safe at Mercer County NJ Teachers Federal Credit Union?

Yes. Mercer County NJ Teachers Federal Credit Union is a federally insured credit union (NCUA charter #1351). 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 1.9% of shares and deposits ($843K) 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 14.84%, 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

Mercer County NJ Teachers Federal Credit Union lists 1 office in 1 city. Most locations:

  • Hamilton Square, NJ (1)

All branch addresses and map

Identity & history

Profile

Legal name
Mercer County NJ Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
1351
RSSD ID
486471
Primary regulator
NCUA
Established
1936
Headquarters
2271 Highway 33 Ste 108, Hamilton Square, NJ 08690
Employees
6

Quick answers

Mercer County NJ Teachers Federal Credit Union: common questions

Is Mercer County NJ Teachers Federal Credit Union NCUA insured?

Yes. Mercer County NJ Teachers Federal Credit Union is a federally insured credit union (NCUA charter #1351). 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 Mercer County NJ Teachers Federal Credit Union's TellerScore?

76 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 Mercer County NJ Teachers Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hamilton Square

InstitutionScoreAssetsCapitalProblem loansCompare
Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA100 out of 100, Very strong$4.1M15.4%0.00%vs
Police & Fire Federal Credit UnionCredit union Philadelphia, PA96 out of 100, Very strong$10.2B18.6%0.24%vs
New Jersey Law and Public Safety Credit UnionCredit union Trenton, NJ93 out of 100, Very strong$63.9M19.6%0.31%vs
Central Jersey Police & Fire Federal Credit UnionCredit union Hamilton, NJ91 out of 100, Very strong$52.3M14.4%0.48%vs
Public Service E.D. Trenton Federal Credit UnionCredit union Mercerville, NJ89 out of 100, Very strong$2.6M49.9%0.00%vs
First National Bank and Trust Company of NewtownBank Newtown, PA87 out of 100, Very strong$1.2B12.9%0.00%vs