TellerScore

Headquartered in Jersey City, New Jersey, Path Federal Credit Union is a federal credit union with $14.2M in total assets and $10.0M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1952.

Based on its Q2 2026 filing, Path Federal Credit Union scores 53/100, which we describe as below average. That is higher than only 12% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 108th. Its strongest component is capital cushion (100/100; 27.20%), and its lowest is loan quality (0/100; 4.26%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 27.20%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.26%
Earnings28/100
Return on assets (annualized): 0.19%
Funding & liquidity62/100
Loans ÷ shares: 98.4% · 0.0% uninsured
Problem-loan coverage78/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.86%

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 33 points (86 → 53), mostly because the loan quality component weakened by 72 points.

TellerScore
466890Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202446
Q4 202452
Q1 202590
Q2 202586
Q3 202565
Q4 202551
Q1 202654
Q2 202653
Net worth ratio
7.00%19.96%32.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202431.29%
Q3 202432.92%
Q4 202429.88%
Q1 202531.28%
Q2 202531.73%
Q3 202530.22%
Q4 202527.62%
Q1 202627.13%
Q2 202627.20%
Delinquent loans (60+ days)
0.38%2.57%4.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.47%
Q3 20244.67%
Q4 20242.40%
Q1 20250.38%
Q2 20250.84%
Q3 20252.86%
Q4 20254.76%
Q1 20262.35%
Q2 20264.26%
Return on assets
-6.78%1.50%9.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-5.55%
Q3 2024-6.78%
Q4 2024-4.50%
Q1 20259.78%
Q2 20255.16%
Q3 20251.67%
Q4 20250.13%
Q1 2026-0.73%
Q2 20260.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$14.2M27.20%4.26%0.19%98.4%
Q1 202654$14.1M27.13%2.35%-0.73%97.3%
Q4 202551$13.9M27.62%4.76%0.13%100.9%
Q3 202565$13.3M30.22%2.86%1.67%110.8%
Q2 202586$13.2M31.73%0.84%5.16%105.4%
Q1 202590$13.4M31.28%0.38%9.78%101.1%
Q4 202452$12.9M29.88%2.40%-4.50%103.2%
Q3 202446$13.0M32.92%4.67%-6.78%113.3%
Q2 202469$13.1M31.29%0.47%-5.55%108.7%

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 ratio27.20%
92nd
Problem loans4.26%
8th
Net charge-offs1.63%
7th
Return on assets0.19%
27th
Loans to deposits98.4%
4th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio10.9%
12th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Local 1233 Federal Credit UnionCredit union Newark, NJ88 out of 100, Very strong$14.1M17.9%0.27%vs
Federal Employees Newark Federal Credit UnionCredit union Newark, NJ78 out of 100, Strong$14.4M17.3%0.10%vs
P S E Federal Credit UnionCredit union Somerset, NJ71 out of 100, Strong$13.5M13.8%1.03%vs
Public Service Plaza Federal Credit UnionCredit union Newark, NJ83 out of 100, Strong$13.1M20.2%1.39%vs
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
Erie Lackawanna Railroad Co Emp Federal Credit UnionCredit union Hoboken, NJ83 out of 100, Strong$11.9M25.4%0.64%vs

Deposit insurance

Is my money safe at Path Federal Credit Union?

Yes. Path Federal Credit Union is a federally insured credit union (NCUA charter #8118). 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 0.0% of shares and deposits ($0) 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 27.20%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Path Federal Credit Union
Type
Federal credit union
NCUA charter #
8118
RSSD ID
492285
Primary regulator
NCUA
Established
1952
Headquarters
1 Path Plz, Jersey City, NJ 07306
Employees
5

Quick answers

Path Federal Credit Union: common questions

Is Path Federal Credit Union NCUA insured?

Yes. Path Federal Credit Union is a federally insured credit union (NCUA charter #8118). 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 Path Federal Credit Union's TellerScore?

53 out of 100 (Below average), 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 Path Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Jersey City

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
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
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs