Princeton Federal Credit Union is a federal credit union headquartered in Princeton, New Jersey, in business for about 54 years. At the end of Q2 2026 it reported $169.2M in total assets and $151.8M in member shares and deposits, with 2 offices.
Based on its Q2 2026 filing, Princeton Federal Credit Union scores 59/100, which we describe as moderate. That is higher than only 19% of 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 92nd. Its strongest component is problem-loan coverage (87/100; 6.5%), and its lowest is earnings (29/100; 0.21%).
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 3 points (62 → 59), mostly because the loan quality component weakened by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 59 |
| Q4 2024 | 63 |
| Q1 2025 | 63 |
| Q2 2025 | 62 |
| Q3 2025 | 62 |
| Q4 2025 | 60 |
| Q1 2026 | 59 |
| Q2 2026 | 59 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.03% |
| Q3 2024 | 9.76% |
| Q4 2024 | 9.74% |
| Q1 2025 | 9.64% |
| Q2 2025 | 9.45% |
| Q3 2025 | 9.80% |
| Q4 2025 | 9.74% |
| Q1 2026 | 9.83% |
| Q2 2026 | 10.02% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 0.67% |
| Q4 2024 | 0.29% |
| Q1 2025 | 0.18% |
| Q2 2025 | 0.25% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.57% |
| Q1 2026 | 0.71% |
| Q2 2026 | 0.95% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.11% |
| Q3 2024 | -0.02% |
| Q4 2024 | 0.03% |
| Q1 2025 | -0.11% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.01% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.21% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $169.2M | 10.02% | 0.95% | 0.21% | 76.0% |
| Q1 2026 | 59 | $170.7M | 9.83% | 0.71% | 0.04% | 78.3% |
| Q4 2025 | 60 | $172.2M | 9.74% | 0.57% | 0.05% | 78.7% |
| Q3 2025 | 62 | $170.4M | 9.80% | 0.40% | 0.01% | 79.9% |
| Q2 2025 | 62 | $176.9M | 9.45% | 0.25% | 0.03% | 79.9% |
| Q1 2025 | 63 | $172.7M | 9.64% | 0.18% | -0.11% | 75.4% |
| Q4 2024 | 63 | $171.4M | 9.74% | 0.29% | 0.03% | 75.0% |
| Q3 2024 | 59 | $170.3M | 9.76% | 0.67% | -0.02% | 76.2% |
| Q2 2024 | 57 | $165.1M | 10.03% | 0.93% | -0.11% | 74.5% |
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).
Similar-size credit unions in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Riegel Federal Credit UnionCredit union Milford, NJ | 58 out of 100, Moderate | $167.7M | 10.4% | 1.77% | vs |
| First Financial Federal Credit UnionCredit union Freehold, NJ | 38 out of 100, Low | $176.1M | 8.3% | 2.78% | vs |
| Nova Ua Federal Credit UnionCredit union Clifton, NJ | 79 out of 100, Strong | $156.4M | 13.8% | 0.17% | vs |
| Xcel Federal Credit UnionCredit union Bloomfield, NJ | 61 out of 100, Moderate | $185.8M | 10.9% | 0.99% | vs |
| Campbell Federal Credit UnionCredit union Maple Shade, NJ | 69 out of 100, Moderate | $138.6M | 14.3% | 1.36% | vs |
| County Excellence Federal Credit UnionCredit union Roselle Park, NJ | 57 out of 100, Moderate | $137.9M | 8.4% | 1.37% | vs |
Deposit insurance
Is my money safe at Princeton Federal Credit Union?
Yes. Princeton Federal Credit Union is a federally insured credit union (NCUA charter #21009). 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 ($15.7M) 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 10.02%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Princeton Federal Credit Union lists 2 offices in 1 city. Most locations:
- Princeton, NJ (2)
HMDA 2025
Mortgage lending
In 2025, Princeton Federal Credit Union reported 336 home-loan applications under HMDA (LEI 549300J1354ZHZC8JP58): 171 originated ($33,415,000 total), 16 denied, and 142 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.2%, 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
- Princeton Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 21009
- RSSD ID
- 761084
- Primary regulator
- NCUA
- Established
- 1972
- Headquarters
- 600 Alexander Park, Suite 203, Princeton, NJ 08540
- Employees
- 29
Quick answers
Princeton Federal Credit Union: common questions
Is Princeton Federal Credit Union NCUA insured?
Yes. Princeton Federal Credit Union is a federally insured credit union (NCUA charter #21009). 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 Princeton Federal Credit Union's TellerScore?
59 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 Princeton Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Princeton
| 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 |
| New Jersey Law and Public Safety Credit UnionCredit union Trenton, NJ | 93 out of 100, Very strong | $63.9M | 19.6% | 0.31% | vs |
| Central Jersey Police & Fire Federal Credit UnionCredit union Hamilton, NJ | 91 out of 100, Very strong | $52.3M | 14.4% | 0.48% | vs |
| Public Service E.D. Trenton Federal Credit UnionCredit union Mercerville, NJ | 89 out of 100, Very strong | $2.6M | 49.9% | 0.00% | vs |
| First National Bank and Trust Company of NewtownBank Newtown, PA | 87 out of 100, Very strong | $1.2B | 12.9% | 0.00% | vs |