Headquartered in Freehold, New Jersey, N. J. Latvian Federal Credit Union is a federal credit union with $4.7M in total assets and $4.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1971.
N. J. Latvian Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 32% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 72nd. Capital cushion contributes the most (100/100, 16.36%); earnings contributes the least (6/100, -0.34%).
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 fell 16 points (82 → 66), mostly because the loan quality component weakened by 59 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 69 |
| Q4 2024 | 83 |
| Q1 2025 | 78 |
| Q2 2025 | 82 |
| Q3 2025 | 81 |
| Q4 2025 | 80 |
| Q1 2026 | 66 |
| Q2 2026 | 66 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.62% |
| Q3 2024 | 12.79% |
| Q4 2024 | 13.40% |
| Q1 2025 | 13.34% |
| Q2 2025 | 13.81% |
| Q3 2025 | 13.73% |
| Q4 2025 | 13.67% |
| Q1 2026 | 15.52% |
| Q2 2026 | 16.36% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 1.51% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 1.66% |
| Q2 2026 | 1.76% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.34% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.49% |
| Q1 2025 | -0.12% |
| Q2 2025 | 0.17% |
| Q3 2025 | 0.08% |
| Q4 2025 | -0.00% |
| Q1 2026 | -0.53% |
| Q2 2026 | -0.34% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $4.7M | 16.36% | 1.76% | -0.34% | 8.3% |
| Q1 2026 | 66 | $4.9M | 15.52% | 1.66% | -0.53% | 8.3% |
| Q4 2025 | 80 | $5.7M | 13.67% | 0.00% | -0.00% | 6.8% |
| Q3 2025 | 81 | $5.7M | 13.73% | 0.00% | 0.08% | 6.1% |
| Q2 2025 | 82 | $5.6M | 13.81% | 0.00% | 0.17% | 6.1% |
| Q1 2025 | 78 | $5.8M | 13.34% | 0.00% | -0.12% | 5.5% |
| Q4 2024 | 83 | $5.8M | 13.40% | 0.00% | 0.49% | 5.7% |
| Q3 2024 | 69 | $6.0M | 12.79% | 1.51% | 0.55% | 5.4% |
| Q2 2024 | 79 | $6.0M | 12.62% | 0.03% | 0.34% | 4.9% |
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 |
|---|---|---|---|---|---|
| Paterson Police Federal Credit UnionCredit union Paterson, NJ | 66 out of 100, Moderate | $4.7M | 19.9% | 2.44% | vs |
| Trenton NJ Firemen Federal Credit UnionCredit union Trenton, NJ | 85 out of 100, Very strong | $4.4M | 18.2% | 0.52% | vs |
| Newark Police Federal Credit UnionCredit union Newark, NJ | 66 out of 100, Moderate | $5.2M | 34.6% | 5.27% | vs |
| Parlin Dupont Employees Federal Credit UnionCredit union Sayreville, NJ | 39 out of 100, Low | $5.4M | 9.8% | 4.63% | vs |
| Bayonne City Employees Federal Credit UnionCredit union Bayonne, NJ | 79 out of 100, Strong | $3.9M | 28.6% | 0.31% | vs |
| Gaf Linden Employees Federal Credit UnionCredit union Parsippany, NJ | 80 out of 100, Strong | $3.9M | 18.1% | 0.00% | vs |
Deposit insurance
Is my money safe at N. J. Latvian Federal Credit Union?
Yes. N. J. Latvian Federal Credit Union is a federally insured credit union (NCUA charter #20463). 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 16.36%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
N. J. Latvian Federal Credit Union lists 1 office in 1 city. Most locations:
- Freehold, NJ (1)
Identity & history
Profile
- Legal name
- N. J. Latvian Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 20463
- RSSD ID
- 86488
- Primary regulator
- NCUA
- Established
- 1971
- Headquarters
- 1017 State Route 33, Freehold, NJ 07728
- Employees
- 2
Quick answers
N. J. Latvian Federal Credit Union: common questions
Is N. J. Latvian Federal Credit Union NCUA insured?
Yes. N. J. Latvian Federal Credit Union is a federally insured credit union (NCUA charter #20463). 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 N. J. Latvian Federal Credit Union's TellerScore?
66 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 N. J. Latvian Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Freehold
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ocean County Employees Federal Credit UnionCredit union Toms River, NJ | 97 out of 100, Very strong | $1.4M | 20.0% | 0.33% | vs |
| First Atlantic Federal Credit UnionCredit union Eatontown, NJ | 86 out of 100, Very strong | $332.2M | 13.8% | 0.79% | vs |
| Healthcare Employees Federal Credit UnionCredit union Princeton, NJ | 86 out of 100, Very strong | $137.2M | 13.6% | 0.62% | vs |
| Amboy BankBank Old Bridge, NJ | 80 out of 100, Strong | $3.1B | 12.2% | 0.30% | vs |
| B-M S Federal Credit UnionCredit union New Brunswick, NJ | 80 out of 100, Strong | $81.7M | 21.1% | 0.54% | vs |
| Monmouth County Postal Employees Credit UnionCredit union Red Bank, NJ | 79 out of 100, Strong | $21.9M | 20.6% | 0.15% | vs |