TellerScore

Headquartered in Waldwick, New Jersey, N.J.T. Employees Federal Credit Union is a federal credit union with $39.5M in total assets and $34.6M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1954.

N.J.T. Employees 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 68th. Funding & liquidity contributes the most (100/100, 21% loans-to-deposits, 4% uninsured); earnings contributes the least (26/100, 0.14%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Net worth ratio: 11.23%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.87%
Earnings26/100
Return on assets (annualized): 0.14%
Funding & liquidity100/100
Loans ÷ shares: 20.6% · 3.7% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.41%

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 (69 → 66), mostly because the earnings component weakened by 7 points.

TellerScore
667073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202470
Q4 202469
Q1 202569
Q2 202569
Q3 202569
Q4 202571
Q1 202666
Q2 202666
Net worth ratio
7.00%9.56%12.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202412.12%
Q3 202411.98%
Q4 202411.89%
Q1 202511.71%
Q2 202511.63%
Q3 202511.78%
Q4 202511.72%
Q1 202611.42%
Q2 202611.23%
Delinquent loans (60+ days)
0.63%0.86%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.63%
Q3 20240.96%
Q4 20241.10%
Q1 20250.98%
Q2 20250.86%
Q3 20251.05%
Q4 20250.91%
Q1 20260.94%
Q2 20260.87%
Return on assets
0.14%0.34%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.39%
Q3 20240.37%
Q4 20240.52%
Q1 20250.46%
Q2 20250.33%
Q3 20250.53%
Q4 20250.53%
Q1 20260.15%
Q2 20260.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$39.5M11.23%0.87%0.14%20.6%
Q1 202666$38.7M11.42%0.94%0.15%20.8%
Q4 202571$37.6M11.72%0.91%0.53%22.9%
Q3 202569$37.0M11.78%1.05%0.53%23.5%
Q2 202569$36.7M11.63%0.86%0.33%23.4%
Q1 202569$36.3M11.71%0.98%0.46%24.3%
Q4 202469$35.3M11.89%1.10%0.52%26.0%
Q3 202470$34.3M11.98%0.96%0.37%27.5%
Q2 202473$33.7M12.12%0.63%0.39%27.9%

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).

Capital ratio11.23%
26th
Problem loans0.87%
43rd
Net charge-offs0.74%
20th
Return on assets0.14%
25th
Loans to deposits20.6%
95th
Uninsured deposits3.7%
30th
Loan-loss reserves0.00%
37th
Texas ratio1.4%
60th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Public Service Federal Credit UnionCredit union Middlesex, NJ84 out of 100, Strong$40.4M15.9%1.24%vs
Lakehurst Naval Federal Credit UnionCredit union Joint Base MDL, NJ61 out of 100, Moderate$37.9M12.5%3.50%vs
Garden State Federal Credit UnionCredit union Moorestown, NJ54 out of 100, Below average$37.5M11.4%2.33%vs
Postal Employees Credit UnionCredit union Yardville, NJ72 out of 100, Strong$35.7M15.3%0.87%vs
H. E. Telephone Federal Credit UnionCredit union Rochelle Park, NJ73 out of 100, Strong$46.4M15.1%1.45%vs
Community Financial Services Federal Credit UnionCredit union Roselle, NJ46 out of 100, Below average$30.6M13.4%2.88%vs

Deposit insurance

Is my money safe at N.J.T. Employees Federal Credit Union?

Yes. N.J.T. Employees Federal Credit Union is a federally insured credit union (NCUA charter #9723). 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 3.7% of shares and deposits ($1.3M) 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 11.23%, 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

N.J.T. Employees Federal Credit Union lists 1 office in 1 city. Most locations:

  • Waldwick, NJ (1)

All branch addresses and map

Identity & history

Profile

Legal name
N.J.T. Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
9723
RSSD ID
910882
Primary regulator
NCUA
Established
1954
Headquarters
7 Richard Drive, Waldwick, NJ 07463
Employees
3

Quick answers

N.J.T. Employees Federal Credit Union: common questions

Is N.J.T. Employees Federal Credit Union NCUA insured?

Yes. N.J.T. Employees Federal Credit Union is a federally insured credit union (NCUA charter #9723). 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.T. Employees 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.T. Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Waldwick

InstitutionScoreAssetsCapitalProblem loansCompare
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Hana Bank USA, National AssociationBank Fort Lee, NJ88 out of 100, Very strong$835.2M25.4%0.00%vs
Division 819 Transit Employees Credit UnionCredit union Irvington, NJ88 out of 100, Very strong$16.7M17.9%1.02%vs
Amnh Employees Federal Credit UnionCredit union New York, NY87 out of 100, Very strong$1.0M20.3%0.00%vs