TellerScore

Picatinny Federal Credit Union is a federal credit union headquartered in Dover, New Jersey, in business for about 87 years. At the end of Q2 2026 it reported $459.1M in total assets and $401.8M in member shares and deposits, with 3 offices.

Picatinny Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 75th. Funding & liquidity contributes the most (100/100, 60% loans-to-deposits, 10% uninsured); earnings contributes the least (40/100, 0.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.42%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.70%
Earnings40/100
Return on assets (annualized): 0.50%
Funding & liquidity100/100
Loans ÷ shares: 60.0% · 10.3% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.92%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 65).

TellerScore
586368Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202459
Q4 202459
Q1 202558
Q2 202564
Q3 202567
Q4 202565
Q1 202668
Q2 202665
Net worth ratio
7.00%8.21%9.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.73%
Q3 20248.76%
Q4 20248.76%
Q1 20258.30%
Q2 20259.06%
Q3 20258.98%
Q4 20259.06%
Q1 20269.40%
Q2 20269.42%
Delinquent loans (60+ days)
0.32%0.55%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.40%
Q3 20240.66%
Q4 20240.75%
Q1 20250.79%
Q2 20250.70%
Q3 20250.43%
Q4 20250.68%
Q1 20260.32%
Q2 20260.70%
Return on assets
0.16%0.42%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.17%
Q3 20240.16%
Q4 20240.23%
Q1 20250.28%
Q2 20250.64%
Q3 20250.68%
Q4 20250.64%
Q1 20260.54%
Q2 20260.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$459.1M9.42%0.70%0.50%60.0%
Q1 202668$454.4M9.40%0.32%0.54%60.2%
Q4 202565$464.6M9.06%0.68%0.64%61.2%
Q3 202567$462.6M8.98%0.43%0.68%65.4%
Q2 202564$448.5M9.06%0.70%0.64%64.0%
Q1 202558$476.0M8.30%0.79%0.28%64.5%
Q4 202459$447.3M8.76%0.75%0.23%66.9%
Q3 202459$442.4M8.76%0.66%0.16%68.7%
Q2 202461$442.5M8.73%0.40%0.17%68.1%

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 ratio9.42%
19th
Problem loans0.70%
49th
Net charge-offs0.20%
71st
Return on assets0.50%
30th
Loans to deposits60.0%
78th
Uninsured deposits10.3%
16th
Loan-loss reserves0.00%
50th
Texas ratio3.9%
52nd

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InstitutionScoreAssetsCapitalProblem loansCompare
First Harvest Federal Credit UnionCredit union Deptford, NJ53 out of 100, Below average$484.5M8.0%0.96%vs
Garden Savings Federal Credit UnionCredit union Parsippany, NJ49 out of 100, Below average$495.5M8.4%1.29%vs
Proponent Federal Credit UnionCredit union Nutley, NJ70 out of 100, Strong$508.8M14.5%1.22%vs
Credit Union of New Jersey, aCredit union Ewing, NJ72 out of 100, Strong$512.8M10.6%0.93%vs
First Atlantic Federal Credit UnionCredit union Eatontown, NJ86 out of 100, Very strong$332.2M13.8%0.79%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 Picatinny Federal Credit Union?

Yes. Picatinny Federal Credit Union is a federally insured credit union (NCUA charter #3291). 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 10.3% of shares and deposits ($41.4M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.42%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Picatinny Federal Credit Union lists 3 offices in 3 cities. Most locations:

  • Dover, NJ (1)
  • Flanders, NJ (1)
  • Picatinny Arsenal, NJ (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Picatinny Federal Credit Union reported 460 home-loan applications under HMDA (LEI 549300YYJWBT2GH5DS80): 294 originated ($40,830,000 total), 95 denied, and 61 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.8%, 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
Picatinny Federal Credit Union
Type
Federal credit union
NCUA charter #
3291
RSSD ID
631075
Primary regulator
NCUA
Established
1939
Headquarters
100 Mineral Springs Rd, Dover, NJ 07801
Employees
59

Quick answers

Picatinny Federal Credit Union: common questions

Is Picatinny Federal Credit Union NCUA insured?

Yes. Picatinny Federal Credit Union is a federally insured credit union (NCUA charter #3291). 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 Picatinny Federal Credit Union's TellerScore?

65 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 Picatinny Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Dover

InstitutionScoreAssetsCapitalProblem loansCompare
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
Division 819 Transit Employees Credit UnionCredit union Irvington, NJ88 out of 100, Very strong$16.7M17.9%1.02%vs
Local 1233 Federal Credit UnionCredit union Newark, NJ88 out of 100, Very strong$14.1M17.9%0.27%vs
Lusitania Savings BankBank Newark, NJ86 out of 100, Very strong$418.1M15.0%0.19%vs
Merck Employees Federal Credit UnionCredit union Rahway, NJ86 out of 100, Very strong$1.7B15.4%0.30%vs
Linden NJ Police & Firemen Federal Credit UnionCredit union Linden, NJ86 out of 100, Very strong$6.9M32.2%0.60%vs