TellerScore

Passaic Police Federal Credit Union is a federal credit union headquartered in Passaic, New Jersey, in business for about 68 years. At the end of Q2 2026 it reported $7.4M in total assets and $6.4M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Passaic Police Federal Credit Union scores 78/100, which we describe as strong. That is higher than 59% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 29th. Its strongest component is capital cushion (100/100; 15.38%), and its lowest is loan quality (16/100; 2.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.38%
Loan quality16/100
Loans 60+ days delinquent ÷ total loans: 2.51%
Earnings100/100
Return on assets (annualized): 2.02%
Funding & liquidity100/100
Loans ÷ shares: 32.3% · 0.9% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.20%

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 8 points (86 → 78), mostly because the loan quality component weakened by 41 points.

TellerScore
678296Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202483
Q4 202487
Q1 202596
Q2 202586
Q3 202569
Q4 202573
Q1 202667
Q2 202678
Net worth ratio
7.00%11.19%15.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.62%
Q3 202413.20%
Q4 202413.97%
Q1 202514.64%
Q2 202515.04%
Q3 202515.01%
Q4 202515.02%
Q1 202615.28%
Q2 202615.38%
Delinquent loans (60+ days)
0.30%1.41%2.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.12%
Q3 20240.63%
Q4 20240.52%
Q1 20250.30%
Q2 20251.29%
Q3 20251.85%
Q4 20251.77%
Q1 20261.51%
Q2 20262.51%
Return on assets
-3.47%-0.70%2.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.68%
Q3 20241.21%
Q4 20241.29%
Q1 20252.07%
Q2 20251.63%
Q3 20250.12%
Q4 20250.49%
Q1 2026-3.47%
Q2 20262.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$7.4M15.38%2.51%2.02%32.3%
Q1 202667$7.3M15.28%1.51%-3.47%34.0%
Q4 202573$7.1M15.02%1.77%0.49%35.4%
Q3 202569$7.0M15.01%1.85%0.12%36.0%
Q2 202586$6.8M15.04%1.29%1.63%34.4%
Q1 202596$6.9M14.64%0.30%2.07%34.2%
Q4 202487$7.0M13.97%0.52%1.29%34.3%
Q3 202483$7.1M13.20%0.63%1.21%32.6%
Q2 202473$7.2M12.62%1.12%0.68%29.2%

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 ratio15.38%
57th
Problem loans2.51%
16th
Net charge-offs-0.15%
95th
Return on assets2.02%
94th
Loans to deposits32.3%
86th
Uninsured deposits0.9%
55th
Loan-loss reserves4.17%
95th
Texas ratio4.2%
34th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
I.L.A. Local 1235 Federal Credit UnionCredit union Springfield, NJ73 out of 100, Strong$7.5M12.0%0.21%vs
Saker Shop Rite Federal Credit UnionCredit union Holmdel, NJ55 out of 100, Moderate$7.3M25.5%3.80%vs
Fort Dix Federal Credit UnionCredit union Joint Base MDL, NJ46 out of 100, Below average$7.3M10.7%4.54%vs
New Jersey State Pba Federal Credit UnionCredit union Woodbridge, NJ71 out of 100, Strong$7.2M15.5%0.41%vs
Public Service H C Employees Federal Credit UnionCredit union Brick, NJ74 out of 100, Strong$7.1M39.5%1.89%vs
Ocnac #1 Federal Credit UnionCredit union Jersey City, NJ68 out of 100, Moderate$7.1M12.4%2.02%vs

Deposit insurance

Is my money safe at Passaic Police Federal Credit Union?

Yes. Passaic Police Federal Credit Union is a federally insured credit union (NCUA charter #12227). 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 0.9% of shares and deposits ($55K) 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 15.38%, well 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

Passaic Police Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Passaic Police Federal Credit Union
Type
Federal credit union
NCUA charter #
12227
RSSD ID
302085
Primary regulator
NCUA
Established
1958
Headquarters
330 Passaic St, Passaic, NJ 07055
Employees
2

Quick answers

Passaic Police Federal Credit Union: common questions

Is Passaic Police Federal Credit Union NCUA insured?

Yes. Passaic Police Federal Credit Union is a federally insured credit union (NCUA charter #12227). 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 Passaic Police Federal Credit Union's TellerScore?

78 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 Passaic Police Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Passaic

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
Paul Quinn Federal Credit UnionCredit union Jamaica, NY93 out of 100, Very strong$358K26.1%0.00%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs