TellerScore

Raritan Bay Federal Credit Union is a federal credit union headquartered in Sayreville, New Jersey, in business for about 85 years. At the end of Q2 2026 it reported $107.6M in total assets and $98.0M in member shares and deposits, with 1 office.

Raritan Bay Federal Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 79th. Funding & liquidity contributes the most (100/100, 40% loans-to-deposits, 3% uninsured); capital cushion contributes the least (38/100, 8.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Net worth ratio: 8.79%
Loan quality59/100
Loans 60+ days delinquent ÷ total loans: 1.24%
Earnings67/100
Return on assets (annualized): 1.17%
Funding & liquidity100/100
Loans ÷ shares: 39.8% · 3.3% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.10%

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 (65 → 64).

TellerScore
596367Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202460
Q4 202459
Q1 202567
Q2 202565
Q3 202565
Q4 202567
Q1 202667
Q2 202664
Net worth ratio
7.00%7.89%8.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.20%
Q3 20247.32%
Q4 20247.49%
Q1 20257.53%
Q2 20257.86%
Q3 20258.11%
Q4 20258.42%
Q1 20268.48%
Q2 20268.79%
Delinquent loans (60+ days)
0.32%0.78%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.32%
Q3 20240.36%
Q4 20240.62%
Q1 20250.42%
Q2 20250.77%
Q3 20250.72%
Q4 20250.72%
Q1 20260.56%
Q2 20261.24%
Return on assets
0.30%0.77%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.30%
Q3 20240.33%
Q4 20240.37%
Q1 20251.13%
Q2 20251.23%
Q3 20251.07%
Q4 20251.16%
Q1 20260.96%
Q2 20261.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$107.6M8.79%1.24%1.17%39.8%
Q1 202667$107.1M8.48%0.56%0.96%38.1%
Q4 202567$104.8M8.42%0.72%1.16%37.4%
Q3 202565$104.2M8.11%0.72%1.07%36.6%
Q2 202565$105.1M7.86%0.77%1.23%35.5%
Q1 202567$105.1M7.53%0.42%1.13%34.7%
Q4 202459$101.7M7.49%0.62%0.37%36.7%
Q3 202460$102.3M7.32%0.36%0.33%36.3%
Q2 202460$102.6M7.20%0.32%0.30%35.5%

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 ratio8.79%
11th
Problem loans1.24%
20th
Net charge-offs0.12%
83rd
Return on assets1.17%
76th
Loans to deposits39.8%
96th
Uninsured deposits3.3%
79th
Loan-loss reserves0.00%
50th
Texas ratio5.1%
38th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Advanced Financial Federal Credit UnionCredit union New Providence, NJ72 out of 100, Strong$107.0M15.7%1.45%vs
Seaport Federal Credit UnionCredit union Elizabeth, NJ75 out of 100, Strong$109.6M13.1%0.50%vs
Deepwater Industries Federal Credit UnionCredit union Deepwater, NJ77 out of 100, Strong$113.6M11.2%1.00%vs
Members 1st of NJ Federal Credit UnionCredit union Vineland, NJ67 out of 100, Moderate$134.2M9.6%0.65%vs
Liberty Savings Federal Credit UnionCredit union Jersey City, NJ54 out of 100, Below average$135.1M11.7%2.09%vs
Healthcare Employees Federal Credit UnionCredit union Princeton, NJ86 out of 100, Very strong$137.2M13.6%0.62%vs

Deposit insurance

Is my money safe at Raritan Bay Federal Credit Union?

Yes. Raritan Bay Federal Credit Union is a federally insured credit union (NCUA charter #4726). 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 3.3% of shares and deposits ($3.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.79%, slightly 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

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

  • Sayreville, NJ (1)

All branch addresses and map

Identity & history

Profile

Legal name
Raritan Bay Federal Credit Union
Type
Federal credit union
NCUA charter #
4726
RSSD ID
669676
Primary regulator
NCUA
Established
1941
Headquarters
491 Raritan Street, Sayreville, NJ 08872
Employees
24

Quick answers

Raritan Bay Federal Credit Union: common questions

Is Raritan Bay Federal Credit Union NCUA insured?

Yes. Raritan Bay Federal Credit Union is a federally insured credit union (NCUA charter #4726). 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 Raritan Bay Federal Credit Union's TellerScore?

64 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 Raritan Bay Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
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