TellerScore

Headquartered in Linden, New Jersey, Motion Federal Credit Union is a federal credit union with $60.2M in total assets and $53.2M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1934.

Based on its Q2 2026 filing, Motion Federal Credit Union scores 62/100, which we describe as moderate. That is higher than only 24% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 85th. Its strongest component is problem-loan coverage (88/100; 5.9%), and its lowest is earnings (36/100; 0.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.30%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.94%
Earnings36/100
Return on assets (annualized): 0.41%
Funding & liquidity87/100
Loans ÷ shares: 72.9% · 10.1% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.87%

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 3 points (65 → 62), mostly because the loan quality component weakened by 10 points.

TellerScore
596265Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202463
Q4 202459
Q1 202561
Q2 202565
Q3 202564
Q4 202559
Q1 202661
Q2 202662
Net worth ratio
7.00%8.65%10.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.92%
Q3 20249.45%
Q4 20249.50%
Q1 20259.53%
Q2 20259.77%
Q3 202510.01%
Q4 20259.95%
Q1 20269.79%
Q2 202610.30%
Delinquent loans (60+ days)
0.64%0.96%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.04%
Q3 20241.05%
Q4 20241.28%
Q1 20251.02%
Q2 20250.64%
Q3 20250.75%
Q4 20251.05%
Q1 20260.96%
Q2 20260.94%
Return on assets
0.29%0.60%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20240.91%
Q4 20240.75%
Q1 20250.57%
Q2 20250.56%
Q3 20250.44%
Q4 20250.29%
Q1 20260.41%
Q2 20260.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$60.2M10.30%0.94%0.41%72.9%
Q1 202661$62.7M9.79%0.96%0.41%69.3%
Q4 202559$61.0M9.95%1.05%0.29%72.8%
Q3 202564$61.0M10.01%0.75%0.44%71.5%
Q2 202565$62.2M9.77%0.64%0.56%70.1%
Q1 202561$62.9M9.53%1.02%0.57%70.6%
Q4 202459$62.1M9.50%1.28%0.75%72.7%
Q3 202463$62.0M9.45%1.05%0.91%70.0%
Q2 202461$64.1M8.92%1.04%0.87%68.2%

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 ratio10.30%
19th
Problem loans0.94%
41st
Net charge-offs0.01%
68th
Return on assets0.41%
37th
Loans to deposits72.9%
29th
Uninsured deposits10.1%
7th
Loan-loss reserves0.00%
37th
Texas ratio5.9%
25th

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Fort Billings Federal Credit UnionCredit union Paulsboro, NJ65 out of 100, Moderate$64.2M9.3%0.19%vs
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Bridgeton Onized Federal Credit UnionCredit union Cedarville, NJ45 out of 100, Below average$49.7M7.7%1.19%vs

Deposit insurance

Is my money safe at Motion Federal Credit Union?

Yes. Motion Federal Credit Union is a federally insured credit union (NCUA charter #53). 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 10.1% of shares and deposits ($5.4M) 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 10.30%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Motion Federal Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Motion Federal Credit Union
Type
Federal credit union
NCUA charter #
53
RSSD ID
65278
Primary regulator
NCUA
Established
1934
Headquarters
360 N Wood Ave, Linden, NJ 07036
Employees
17

Quick answers

Motion Federal Credit Union: common questions

Is Motion Federal Credit Union NCUA insured?

Yes. Motion Federal Credit Union is a federally insured credit union (NCUA charter #53). 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 Motion Federal Credit Union's TellerScore?

62 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 Motion Federal Credit Union have?

4 offices as of the latest NCUA data.