Peoples Transport Federal Credit Union (NCUA charter #12956) is based in Mount Ephraim, New Jersey. Its Q2 2026 call report shows $11.8M in total assets and $10.6M in member shares and deposits and 1 office.
Peoples Transport Federal Credit Union has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 13% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 104th. Funding & liquidity contributes the most (96/100, 65% loans-to-deposits, 12% uninsured); earnings contributes the least (14/100, -0.16%).
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 fell 6 points (60 → 54), mostly because the loan quality component weakened by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 66 |
| Q4 2024 | 57 |
| Q1 2025 | 54 |
| Q2 2025 | 60 |
| Q3 2025 | 47 |
| Q4 2025 | 55 |
| Q1 2026 | 53 |
| Q2 2026 | 54 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.46% |
| Q3 2024 | 11.80% |
| Q4 2024 | 11.44% |
| Q1 2025 | 10.42% |
| Q2 2025 | 10.04% |
| Q3 2025 | 10.24% |
| Q4 2025 | 10.76% |
| Q1 2026 | 10.19% |
| Q2 2026 | 10.04% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.08% |
| Q3 2024 | 1.17% |
| Q4 2024 | 1.78% |
| Q1 2025 | 1.64% |
| Q2 2025 | 0.97% |
| Q3 2025 | 1.97% |
| Q4 2025 | 1.31% |
| Q1 2026 | 1.22% |
| Q2 2026 | 1.45% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.07% |
| Q1 2025 | -0.14% |
| Q2 2025 | -0.05% |
| Q3 2025 | -2.60% |
| Q4 2025 | -0.66% |
| Q1 2026 | -0.83% |
| Q2 2026 | -0.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $11.8M | 10.04% | 1.45% | -0.16% | 64.5% |
| Q1 2026 | 53 | $11.6M | 10.19% | 1.22% | -0.83% | 65.8% |
| Q4 2025 | 55 | $11.8M | 10.76% | 1.31% | -0.66% | 63.6% |
| Q3 2025 | 47 | $11.9M | 10.24% | 1.97% | -2.60% | 57.1% |
| Q2 2025 | 60 | $12.3M | 10.04% | 0.97% | -0.05% | 52.7% |
| Q1 2025 | 54 | $11.8M | 10.42% | 1.64% | -0.14% | 56.2% |
| Q4 2024 | 57 | $10.8M | 11.44% | 1.78% | 0.07% | 64.1% |
| Q3 2024 | 66 | $10.7M | 11.80% | 1.17% | 0.33% | 60.1% |
| Q2 2024 | 55 | $10.8M | 11.46% | 2.08% | 0.10% | 58.5% |
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 |
|---|---|---|---|---|---|
| Jersey City Firemen Federal Credit UnionCredit union Jersey City, NJ | 74 out of 100, Strong | $11.7M | 46.7% | 1.65% | vs |
| Erie Lackawanna Railroad Co Emp Federal Credit UnionCredit union Hoboken, NJ | 83 out of 100, Strong | $11.9M | 25.4% | 0.64% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| Goya Foods Employees Federal Credit UnionCredit union Jersey City, NJ | 86 out of 100, Very strong | $11.2M | 22.4% | 0.86% | vs |
| 1st Bergen Federal Credit UnionCredit union Hackensack, NJ | 63 out of 100, Moderate | $11.2M | 27.7% | 2.99% | vs |
| Members Connect Federal Credit UnionCredit union Madison, NJ | 60 out of 100, Moderate | $10.8M | 14.2% | 2.40% | vs |
Deposit insurance
Is my money safe at Peoples Transport Federal Credit Union?
Yes. Peoples Transport Federal Credit Union is a federally insured credit union (NCUA charter #12956). 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 11.5% of shares and deposits ($1.2M) 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 10.04%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Peoples Transport Federal Credit Union lists 1 office in 1 city. Most locations:
- Mount Ephraim, NJ (1)
Identity & history
Profile
- Legal name
- Peoples Transport Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 12956
- RSSD ID
- 50489
- Primary regulator
- NCUA
- Established
- 1959
- Headquarters
- 136 W. Kings Hwy, Mount Ephraim, NJ 08059
- Employees
- 4
Quick answers
Peoples Transport Federal Credit Union: common questions
Is Peoples Transport Federal Credit Union NCUA insured?
Yes. Peoples Transport Federal Credit Union is a federally insured credit union (NCUA charter #12956). 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 Peoples Transport Federal Credit Union's TellerScore?
54 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 Peoples Transport Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Mount Ephraim
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA | 100 out of 100, Very strong | $4.1M | 15.4% | 0.00% | vs |
| Police & Fire Federal Credit UnionCredit union Philadelphia, PA | 96 out of 100, Very strong | $10.2B | 18.6% | 0.24% | vs |
| Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH | 95 out of 100, Very strong | $45.5M | 17.8% | 0.34% | vs |
| Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA | 94 out of 100, Very strong | $71.6M | 25.3% | 0.69% | vs |
| Holy Trinity Baptist Federal Credit UnionCredit union Philadelphia, PA | 93 out of 100, Very strong | $30K | 30.3% | 0.00% | vs |
| The Philadelphia Trust CompanyBank Philadelphia, PA | 93 out of 100, Very strong | $27.7M | 71.8% | 0.00% | vs |