TellerScore

Headquartered in Nutley, New Jersey, Proponent Federal Credit Union is a federal credit union with $508.8M in total assets and $424.6M in member shares and deposits as of Q2 2026. It operates 4 offices across 2 states. Its charter dates back to 1971.

Based on its Q2 2026 filing, Proponent Federal Credit Union scores 70/100, which we describe as strong. That is higher than 51% of 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 58th. Its strongest component is capital cushion (95/100; 14.49%), and its lowest is earnings (44/100; 0.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion95/100
Net worth ratio: 14.49%
Loan quality59/100
Loans 60+ days delinquent ÷ total loans: 1.22%
Earnings44/100
Return on assets (annualized): 0.59%
Funding & liquidity65/100
Loans ÷ shares: 95.3% · 7.7% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.88%

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 rose 9 points (61 → 70), mostly because the earnings component improved by 26 points.

TellerScore
616671Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202470
Q4 202466
Q1 202561
Q2 202561
Q3 202567
Q4 202569
Q1 202669
Q2 202670
Net worth ratio
7.00%10.75%14.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.21%
Q3 202414.44%
Q4 202414.01%
Q1 202513.68%
Q2 202513.96%
Q3 202514.18%
Q4 202514.27%
Q1 202614.02%
Q2 202614.49%
Delinquent loans (60+ days)
0.88%1.22%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.08%
Q3 20241.12%
Q4 20241.25%
Q1 20251.28%
Q2 20251.57%
Q3 20251.09%
Q4 20250.93%
Q1 20260.88%
Q2 20261.22%
Return on assets
-0.22%0.19%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.41%
Q4 20240.24%
Q1 2025-0.22%
Q2 2025-0.04%
Q3 20250.03%
Q4 20250.10%
Q1 20260.12%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$508.8M14.49%1.22%0.59%95.3%
Q1 202669$518.6M14.02%0.88%0.12%91.0%
Q4 202569$508.3M14.27%0.93%0.10%93.5%
Q3 202567$508.6M14.18%1.09%0.03%93.7%
Q2 202561$515.3M13.96%1.57%-0.04%93.1%
Q1 202561$524.3M13.68%1.28%-0.22%92.1%
Q4 202466$514.0M14.01%1.25%0.24%94.9%
Q3 202470$501.1M14.44%1.12%0.41%95.7%
Q2 202471$508.3M14.21%1.08%0.57%94.5%

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).

Capital ratio14.49%
82nd
Problem loans1.22%
20th
Net charge-offs0.30%
57th
Return on assets0.59%
38th
Loans to deposits95.3%
7th
Uninsured deposits7.7%
32nd
Loan-loss reserves0.00%
50th
Texas ratio7.9%
22nd

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Credit Union of New Jersey, aCredit union Ewing, NJ72 out of 100, Strong$512.8M10.6%0.93%vs
Garden Savings Federal Credit UnionCredit union Parsippany, NJ49 out of 100, Below average$495.5M8.4%1.29%vs
First Harvest Federal Credit UnionCredit union Deptford, NJ53 out of 100, Below average$484.5M8.0%0.96%vs
Picatinny Federal Credit UnionCredit union Dover, NJ65 out of 100, Moderate$459.1M9.4%0.70%vs
Financial Resources Federal Credit UnionCredit union Branchburg, NJ31 out of 100, Low$659.0M8.9%3.35%vs
First Atlantic Federal Credit UnionCredit union Eatontown, NJ86 out of 100, Very strong$332.2M13.8%0.79%vs

Deposit insurance

Is my money safe at Proponent Federal Credit Union?

Yes. Proponent Federal Credit Union is a federally insured credit union (NCUA charter #20448). 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 7.7% of shares and deposits ($32.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.49%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Proponent Federal Credit Union lists 4 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Proponent Federal Credit Union reported 357 home-loan applications under HMDA (LEI 549300SI3EZ7U02L5E39): 238 originated ($38,270,000 total), 56 denied, and 60 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.9%, 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.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Proponent Visa11.50% – 18.00%$0—1.0%

All Proponent Federal Credit Union card terms

Identity & history

Profile

Legal name
Proponent Federal Credit Union
Type
Federal credit union
NCUA charter #
20448
RSSD ID
911889
Primary regulator
NCUA
Established
1971
Headquarters
100 Metro Blvd, 4th Floor, Nutley, NJ 07110
Employees
62

Quick answers

Proponent Federal Credit Union: common questions

Is Proponent Federal Credit Union NCUA insured?

Yes. Proponent Federal Credit Union is a federally insured credit union (NCUA charter #20448). 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 Proponent Federal Credit Union's TellerScore?

70 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 Proponent Federal Credit Union have?

4 offices as of the latest NCUA data, in 2 states.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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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