Headquartered in East Orange, New Jersey, Messiah Baptist Church Federal Credit Union is a federal credit union with $888K in total assets and $805K in member shares and deposits as of Q2 2026. Its charter dates back to 1973.
Messiah Baptist Church Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than only 49% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 40th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (36/100, 8.55%).
TellerScore · Q2 2026
Scorecard
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 29 points (45 → 74), mostly because the loan quality component improved by 100 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 82 |
| Q4 2024 | 85 |
| Q1 2025 | 65 |
| Q2 2025 | 45 |
| Q3 2025 | 53 |
| Q4 2025 | 48 |
| Q1 2026 | 52 |
| Q2 2026 | 74 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.70% |
| Q3 2024 | 9.89% |
| Q4 2024 | 11.06% |
| Q1 2025 | 8.97% |
| Q2 2025 | 9.58% |
| Q3 2025 | 9.80% |
| Q4 2025 | 7.86% |
| Q1 2026 | 8.07% |
| Q2 2026 | 8.55% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 4.43% |
| Q3 2025 | 2.52% |
| Q4 2025 | 2.95% |
| Q1 2026 | 2.36% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.35% |
| Q3 2024 | 2.24% |
| Q4 2024 | 2.08% |
| Q1 2025 | -0.13% |
| Q2 2025 | 0.83% |
| Q3 2025 | 0.98% |
| Q4 2025 | 1.65% |
| Q1 2026 | 1.46% |
| Q2 2026 | 1.34% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $888K | 8.55% | 0.00% | 1.34% | 70.3% |
| Q1 2026 | 52 | $908K | 8.07% | 2.36% | 1.46% | 63.6% |
| Q4 2025 | 48 | $890K | 7.86% | 2.95% | 1.65% | 52.4% |
| Q3 2025 | 53 | $610K | 9.80% | 2.52% | 0.98% | 59.7% |
| Q2 2025 | 45 | $576K | 9.58% | 4.43% | 0.83% | 62.8% |
| Q1 2025 | 65 | $587K | 8.97% | 0.00% | -0.13% | 61.1% |
| Q4 2024 | 85 | $478K | 11.06% | 0.00% | 2.08% | 80.9% |
| Q3 2024 | 82 | $523K | 9.89% | 0.00% | 2.24% | 76.0% |
| Q2 2024 | 85 | $451K | 10.70% | 0.00% | 3.35% | 73.6% |
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).
Similar-size credit unions in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Terminals Federal Credit UnionCredit union Carteret, NJ | 66 out of 100, Moderate | $943K | 38.9% | 3.95% | vs |
| Plainfield Police & Firemen'S Federal Credit UnionCredit union Plainfield, NJ | 69 out of 100, Moderate | $1.3M | 25.5% | 20.87% | vs |
| Camden Firemen'S Federal Credit UnionCredit union Moorestown, NJ | 65 out of 100, Moderate | $520K | 20.2% | 10.49% | vs |
| Israel Memorial a M E Federal Credit UnionCredit union Newark, NJ | 72 out of 100, Strong | $413K | 41.3% | 28.73% | vs |
| Ocean County Employees Federal Credit UnionCredit union Toms River, NJ | 97 out of 100, Very strong | $1.4M | 20.0% | 0.33% | vs |
| Heard A.M.E. Federal Credit UnionCredit union Roselle, NJ | 53 out of 100, Below average | $165K | 9.4% | 6.33% | vs |
Deposit insurance
Is my money safe at Messiah Baptist Church Federal Credit Union?
Yes. Messiah Baptist Church Federal Credit Union is a federally insured credit union (NCUA charter #21440). 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 0.0% of shares and deposits ($0) 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 8.55%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
Identity & history
Profile
- Legal name
- Messiah Baptist Church Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 21440
- RSSD ID
- 336688
- Primary regulator
- NCUA
- Established
- 1973
- Headquarters
- 13 - 17 Oak Street, East Orange, NJ 07018
- Employees
- 1
Quick answers
Messiah Baptist Church Federal Credit Union: common questions
Is Messiah Baptist Church Federal Credit Union NCUA insured?
Yes. Messiah Baptist Church Federal Credit Union is a federally insured credit union (NCUA charter #21440). 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 Messiah Baptist Church Federal Credit Union's TellerScore?
74 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.