TellerScore

New Jersey Law and Public Safety Credit Union (NCUA charter #66130) is based in Trenton, New Jersey. Its Q2 2026 call report shows $63.9M in total assets and $51.2M in member shares and deposits and 3 offices.

Based on its Q2 2026 filing, New Jersey Law and Public Safety Credit Union scores 93/100, which we describe as very strong. That is higher than 94% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 3rd. Its strongest component is capital cushion (100/100; 19.65%), and its lowest is funding & liquidity (83/100; 77% loans-to-deposits, 3% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.65%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.31%
Earnings90/100
Return on assets (annualized): 1.74%
Funding & liquidity83/100
Loans ÷ shares: 76.9% · 3.4% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.98%

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 2 points (91 → 93), mostly because the loan quality component improved by 11 points.

TellerScore
899294Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202491
Q3 202490
Q4 202489
Q1 202592
Q2 202591
Q3 202594
Q4 202591
Q1 202692
Q2 202693
Net worth ratio
7.00%13.32%19.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.86%
Q3 202418.93%
Q4 202418.30%
Q1 202518.08%
Q2 202518.36%
Q3 202518.93%
Q4 202518.46%
Q1 202619.14%
Q2 202619.65%
Delinquent loans (60+ days)
0.12%0.39%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.41%
Q3 20240.66%
Q4 20240.14%
Q1 20250.27%
Q2 20250.62%
Q3 20250.32%
Q4 20250.12%
Q1 20260.21%
Q2 20260.31%
Return on assets
1.29%1.68%2.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.80%
Q3 20242.06%
Q4 20241.29%
Q1 20251.70%
Q2 20251.86%
Q3 20251.96%
Q4 20251.35%
Q1 20261.52%
Q2 20261.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$63.9M19.65%0.31%1.74%76.9%
Q1 202692$63.9M19.14%0.21%1.52%76.4%
Q4 202591$64.9M18.46%0.12%1.35%75.8%
Q3 202594$63.6M18.93%0.32%1.96%77.9%
Q2 202591$63.7M18.36%0.62%1.86%77.0%
Q1 202592$62.9M18.08%0.27%1.70%77.8%
Q4 202489$60.7M18.30%0.14%1.29%84.7%
Q3 202490$59.2M18.93%0.66%2.06%86.5%
Q2 202491$57.3M18.86%0.41%1.80%87.2%

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 ratio19.65%
76th
Problem loans0.31%
68th
Net charge-offs0.22%
45th
Return on assets1.74%
90th
Loans to deposits76.9%
23rd
Uninsured deposits3.4%
32nd
Loan-loss reserves0.00%
37th
Texas ratio1.0%
66th

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Deposit insurance

Is my money safe at New Jersey Law and Public Safety Credit Union?

Yes. New Jersey Law and Public Safety Credit Union is a federally insured credit union (NCUA charter #66130). 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 3.4% of shares and deposits ($1.7M) 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 19.65%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

New Jersey Law and Public Safety Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, New Jersey Law and Public Safety Credit Union reported 67 home-loan applications under HMDA (LEI 9845007O1D13CFQBBT22): 67 originated ($4,585,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
New Jersey Law and Public Safety Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66130
RSSD ID
814690
Primary regulator
State + NCUA
Established
1955
Headquarters
PO Box 550, Trenton, NJ 08604
Employees
8

Quick answers

New Jersey Law and Public Safety Credit Union: common questions

Is New Jersey Law and Public Safety Credit Union NCUA insured?

Yes. New Jersey Law and Public Safety Credit Union is a federally insured credit union (NCUA charter #66130). 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 New Jersey Law and Public Safety Credit Union's TellerScore?

93 out of 100 (Very 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 New Jersey Law and Public Safety Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Trenton

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
Central Jersey Police & Fire Federal Credit UnionCredit union Hamilton, NJ91 out of 100, Very strong$52.3M14.4%0.48%vs
Pinn Memorial Federal Credit UnionCredit union Philadelphia, PA91 out of 100, Very strong$276K18.1%0.00%vs
Public Service E.D. Trenton Federal Credit UnionCredit union Mercerville, NJ89 out of 100, Very strong$2.6M49.9%0.00%vs
United Savings BankBank Philadelphia, PA89 out of 100, Very strong$460.6M17.4%0.00%vs