NJ Gateway Federal Credit Union is a federal credit union headquartered in Dayton, New Jersey, in business for about 57 years. At the end of Q2 2026 it reported $27.7M in total assets and $24.8M in member shares and deposits, with 1 office.
NJ Gateway 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 37th. Loan quality contributes the most (100/100, 0.01%); earnings contributes the least (45/100, 0.61%).
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 6 points (68 → 74), mostly because the earnings component improved by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 63 |
| Q4 2024 | 67 |
| Q1 2025 | 68 |
| Q2 2025 | 68 |
| Q3 2025 | 69 |
| Q4 2025 | 69 |
| Q1 2026 | 72 |
| Q2 2026 | 74 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.50% |
| Q3 2024 | 9.60% |
| Q4 2024 | 9.55% |
| Q1 2025 | 9.45% |
| Q2 2025 | 9.50% |
| Q3 2025 | 9.59% |
| Q4 2025 | 9.72% |
| Q1 2026 | 9.70% |
| Q2 2026 | 10.00% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.28% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.01% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.35% |
| Q3 2024 | -0.25% |
| Q4 2024 | -0.15% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.07% |
| Q3 2025 | 0.09% |
| Q4 2025 | 0.12% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $27.7M | 10.00% | 0.01% | 0.61% | 16.6% |
| Q1 2026 | 72 | $28.0M | 9.70% | 0.00% | 0.45% | 15.3% |
| Q4 2025 | 69 | $27.6M | 9.72% | 0.00% | 0.12% | 16.9% |
| Q3 2025 | 69 | $27.9M | 9.59% | 0.00% | 0.09% | 17.5% |
| Q2 2025 | 68 | $28.0M | 9.50% | 0.00% | 0.07% | 17.3% |
| Q1 2025 | 68 | $28.1M | 9.45% | 0.00% | 0.05% | 17.7% |
| Q4 2024 | 67 | $27.8M | 9.55% | 0.00% | -0.15% | 18.7% |
| Q3 2024 | 63 | $27.6M | 9.60% | 0.28% | -0.25% | 18.5% |
| Q2 2024 | 65 | $27.9M | 9.50% | 0.00% | -0.35% | 18.9% |
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 |
|---|---|---|---|---|---|
| Harrison Police & Firemen'S Federal Credit UnionCredit union Harrison, NJ | 81 out of 100, Strong | $27.7M | 15.0% | 0.92% | vs |
| Atlantic Health Employees Federal Credit UnionCredit union Summit, NJ | 43 out of 100, Below average | $27.9M | 10.7% | 4.85% | vs |
| Vah Lyons Employees Federal Credit UnionCredit union Lyons, NJ | 72 out of 100, Strong | $26.6M | 17.6% | 1.25% | vs |
| Manville Area Federal Credit UnionCredit union Manville, NJ | 77 out of 100, Strong | $29.8M | 11.9% | 0.00% | vs |
| First Point Federal Credit UnionCredit union Hamilton, NJ | 52 out of 100, Below average | $25.0M | 7.4% | 0.74% | vs |
| Jersey Central Federal Credit UnionCredit union Cranford, NJ | 54 out of 100, Below average | $24.9M | 16.8% | 3.30% | vs |
Deposit insurance
Is my money safe at NJ Gateway Federal Credit Union?
Yes. NJ Gateway Federal Credit Union is a federally insured credit union (NCUA charter #19454). 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 3.8% of shares and deposits ($937K) 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 10.00%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
NJ Gateway Federal Credit Union lists 1 office in 1 city. Most locations:
- Monmouth Junction, NJ (1)
Identity & history
Profile
- Legal name
- NJ Gateway Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 19454
- RSSD ID
- 879886
- Primary regulator
- NCUA
- Established
- 1969
- Headquarters
- P. O. Box 420, Dayton, NJ 08810
- Employees
- 6
Quick answers
NJ Gateway Federal Credit Union: common questions
Is NJ Gateway Federal Credit Union NCUA insured?
Yes. NJ Gateway Federal Credit Union is a federally insured credit union (NCUA charter #19454). 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 NJ Gateway 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.
How many branches does NJ Gateway Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Dayton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| New Jersey Law and Public Safety Credit UnionCredit union Trenton, NJ | 93 out of 100, Very strong | $63.9M | 19.6% | 0.31% | vs |
| Central Jersey Police & Fire Federal Credit UnionCredit union Hamilton, NJ | 91 out of 100, Very strong | $52.3M | 14.4% | 0.48% | vs |
| Public Service E.D. Trenton Federal Credit UnionCredit union Mercerville, NJ | 89 out of 100, Very strong | $2.6M | 49.9% | 0.00% | vs |
| First National Bank and Trust Company of NewtownBank Newtown, PA | 87 out of 100, Very strong | $1.2B | 12.9% | 0.00% | vs |
| Healthcare Employees Federal Credit UnionCredit union Princeton, NJ | 86 out of 100, Very strong | $137.2M | 13.6% | 0.62% | vs |