TellerScore

North Jersey Federal Credit Union (NCUA charter #1015) is based in Totowa, New Jersey. Its Q2 2026 call report shows $255.6M in total assets and $234.6M in member shares and deposits and 2 offices.

North Jersey Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 66th. Funding & liquidity contributes the most (97/100, 63% loans-to-deposits, 4% uninsured); earnings contributes the least (43/100, 0.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Net worth ratio: 10.53%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.89%
Earnings43/100
Return on assets (annualized): 0.58%
Funding & liquidity97/100
Loans ÷ shares: 62.9% · 4.1% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.22%

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 (64 → 66), mostly because the earnings component improved by 13 points.

TellerScore
586368Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202459
Q4 202458
Q1 202559
Q2 202564
Q3 202566
Q4 202559
Q1 202668
Q2 202666
Net worth ratio
7.00%8.89%10.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.53%
Q3 202410.79%
Q4 202410.60%
Q1 202510.54%
Q2 202510.74%
Q3 202510.58%
Q4 202510.12%
Q1 202610.39%
Q2 202610.53%
Delinquent loans (60+ days)
0.72%0.96%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.05%
Q3 20241.16%
Q4 20241.21%
Q1 20251.13%
Q2 20250.80%
Q3 20250.72%
Q4 20251.10%
Q1 20260.77%
Q2 20260.89%
Return on assets
0.02%0.40%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.02%
Q3 20240.11%
Q4 20240.07%
Q1 20250.02%
Q2 20250.26%
Q3 20250.35%
Q4 20250.19%
Q1 20260.78%
Q2 20260.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$255.6M10.53%0.89%0.58%62.9%
Q1 202668$256.7M10.39%0.77%0.78%63.9%
Q4 202559$252.6M10.12%1.10%0.19%66.3%
Q3 202566$248.3M10.58%0.72%0.35%67.8%
Q2 202564$232.4M10.74%0.80%0.26%68.1%
Q1 202559$234.1M10.54%1.13%0.02%68.2%
Q4 202458$232.5M10.60%1.21%0.07%69.8%
Q3 202459$228.7M10.79%1.16%0.11%70.0%
Q2 202459$235.8M10.53%1.05%0.02%67.8%

1,341 peers · $100 million – $1 billion

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 ratio10.53%
36th
Problem loans0.89%
36th
Net charge-offs0.39%
47th
Return on assets0.58%
37th
Loans to deposits62.9%
74th
Uninsured deposits4.1%
70th
Loan-loss reserves0.00%
50th
Texas ratio5.2%
37th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Edifi Federal Credit UnionCredit union Rancocas, NJ65 out of 100, Moderate$262.4M9.3%0.72%vs
Greater Alliance Federal Credit UnionCredit union Paramus, NJ48 out of 100, Below average$247.6M8.8%1.58%vs
Jersey Shore Federal Credit UnionCredit union Northfield, NJ73 out of 100, Strong$246.3M9.8%0.29%vs
The Atlantic Federal Credit UnionCredit union Kenilworth, NJ45 out of 100, Below average$235.1M13.6%3.51%vs
Xcel Federal Credit UnionCredit union Bloomfield, NJ61 out of 100, Moderate$185.8M10.9%0.99%vs
United Teletech Financial Federal Credit UnionCredit union Tinton Falls, NJ54 out of 100, Below average$327.7M9.0%0.84%vs

Deposit insurance

Is my money safe at North Jersey Federal Credit Union?

Yes. North Jersey Federal Credit Union is a federally insured credit union (NCUA charter #1015). 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 4.1% of shares and deposits ($9.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.53%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

North Jersey Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, North Jersey Federal Credit Union reported 99 home-loan applications under HMDA (LEI 549300VFH2IXM3I18P78): 79 originated ($13,065,000 total), 20 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.2%, 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
North Jersey Federal Credit Union
Type
Federal credit union
NCUA charter #
1015
RSSD ID
624974
Primary regulator
NCUA
Established
1936
Headquarters
711 Union Blvd., Totowa, NJ 07512
Employees
68

Quick answers

North Jersey Federal Credit Union: common questions

Is North Jersey Federal Credit Union NCUA insured?

Yes. North Jersey Federal Credit Union is a federally insured credit union (NCUA charter #1015). 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 North Jersey 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 North Jersey Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Totowa

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
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
Division 819 Transit Employees Credit UnionCredit union Irvington, NJ88 out of 100, Very strong$16.7M17.9%1.02%vs